Side-by-side · Q2 2026 data
Hertford Savings Bank, SSB vs Atlantic Union Bank
Metric by metric
| Measure | Hertford Savings Bank, SSB | Atlantic Union Bank |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 56 | 64 (stronger) |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 15 | 85 (stronger) |
| Funding & liquidity | 82 (stronger) | 44 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 26th | 83rd |
| Total assets | $20.7M | $38.0B |
| Deposits / shares | $18.5M | $30.6B |
| Capital ratio | 10.64% | 11.45% (stronger) |
| Problem loans | 0.22% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | -0.12% | 1.62% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 92.9% |
| Uninsured deposits | 4.2% (stronger) | 36.4% |
| Offices | 1 | 177 |
| CFPB complaints (3 yrs) | — | 133 |
| Complaints per $1B deposits | — | 4.3 |
| Mortgage denial rate (HMDA) | — | 23.3% |
Atlantic Union Bank has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Hertford Savings Bank, SSB leads on 4 and Atlantic Union Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.