Side-by-side · Q2 2026 data
Friend Bank vs Union State Bank
Metric by metric
| Measure | Friend Bank | Union State Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 50 |
| Capital cushion | 85 (stronger) | 46 |
| Loan quality | 84 (stronger) | 33 |
| Earnings | 87 (stronger) | 37 |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 95 (stronger) | 65 |
| Peer percentile | 88th | 7th |
| Total assets | $221.0M | $212.5M |
| Deposits / shares | $190.9M | $191.7M |
| Capital ratio | 13.52% (stronger) | 9.61% |
| Problem loans | 0.48% (stronger) | 2.00% |
| Net charge-offs | -0.12% (stronger) | 0.01% |
| Return on assets | 1.67% (stronger) | 0.43% |
| Loans ÷ deposits | 73.3% | 51.2% (stronger) |
| Uninsured deposits | 25.4% | 23.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Friend Bank has the higher TellerScore (85 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Friend Bank leads on 5 and Union State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.