Side-by-side · Q2 2026 data
FNBC Bank vs Union Bank
Metric by metric
| Measure | FNBC Bank | Union Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 47 | 64 (stronger) |
| Loan quality | 74 | 91 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 71 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 40th | 82nd |
| Total assets | $843.3M | $710.2M |
| Deposits / shares | $704.1M | $625.9M |
| Capital ratio | 9.68% | 11.40% (stronger) |
| Problem loans | 0.79% | 0.26% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.06% |
| Return on assets | 1.60% | 2.43% (stronger) |
| Loans ÷ deposits | 85.6% | 76.6% (stronger) |
| Uninsured deposits | 12.1% (stronger) | 26.4% |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 1.3% |
Union Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 2 and Union Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.