Side-by-side · Q2 2026 data
Minster Bank vs Unified Bank
Metric by metric
| Measure | Minster Bank | Unified Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 62 |
| Capital cushion | 51 (stronger) | 40 |
| Loan quality | 95 (stronger) | 57 |
| Earnings | 85 (stronger) | 75 |
| Funding & liquidity | 86 | 89 (stronger) |
| Problem-loan coverage | 98 (stronger) | 78 |
| Peer percentile | 75th | 22nd |
| Total assets | $811.6M | $871.7M |
| Deposits / shares | $719.4M | $702.1M |
| Capital ratio | 10.08% (stronger) | 8.99% |
| Problem loans | 0.14% (stronger) | 1.29% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.62% (stronger) | 1.38% |
| Loans ÷ deposits | 63.5% (stronger) | 70.1% |
| Uninsured deposits | 24.7% | 16.0% (stronger) |
| Offices | 7 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.8% |
Minster Bank has the higher TellerScore (79 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Minster Bank leads on 6 and Unified Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.