Side-by-side · Q2 2026 data
Guthrie County State Bank vs Union State Bank
Metric by metric
| Measure | Guthrie County State Bank | Union State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 73 (stronger) | 43 |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 68th | 47th |
| Total assets | $279.2M | $168.7M |
| Deposits / shares | $209.3M | $142.5M |
| Capital ratio | 12.33% (stronger) | 9.28% |
| Problem loans | 0.16% (stronger) | 0.51% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.02% | 1.41% (stronger) |
| Loans ÷ deposits | 75.1% | 73.5% (stronger) |
| Uninsured deposits | 35.4% | 18.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
Guthrie County State Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Guthrie County State Bank leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.