Side-by-side · Q2 2026 data
First State Bank of St. Charles, Missouri vs United Bank of Union
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Metric by metric
| Measure | First State Bank of St. Charles, Missouri | United Bank of Union |
|---|---|---|
| TellerScore | 85 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 87 (stronger) | 21 |
| Earnings | 87 (stronger) | 78 |
| Funding & liquidity | 43 | 50 (stronger) |
| Problem-loan coverage | 96 (stronger) | 59 |
| Peer percentile | 88th | 6th |
| Total assets | $535.2M | $577.5M |
| Deposits / shares | $400.8M | $491.1M |
| Capital ratio | 15.65% (stronger) | 9.65% |
| Problem loans | 0.40% (stronger) | 2.36% |
| Net charge-offs | -0.00% | -0.03% (stronger) |
| Return on assets | 1.67% (stronger) | 1.46% |
| Loans ÷ deposits | 106.1% | 96.9% (stronger) |
| Uninsured deposits | 25.3% (stronger) | 26.9% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of St. Charles, Missouri has the higher TellerScore (85 vs 48). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Charles, Missouri leads on 5 and United Bank of Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.