Side-by-side · Q2 2026 data
Isabella Bank vs University Bank
Metric by metric
| Measure | Isabella Bank | University Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 60 |
| Capital cushion | 39 | 51 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 64 (stronger) | 63 |
| Funding & liquidity | 51 (stronger) | 8 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 27th | 21st |
| Total assets | $2.2B | $1.2B |
| Deposits / shares | $1.8B | $1.1B |
| Capital ratio | 8.93% | 10.08% (stronger) |
| Problem loans | 0.49% | 0.41% (stronger) |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 1.10% (stronger) | 1.08% |
| Loans ÷ deposits | 85.4% (stronger) | 102.7% |
| Uninsured deposits | 36.5% (stronger) | 70.2% |
| Offices | 27 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 4.9% |
Isabella Bank has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 4 and University Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.