Side-by-side · Q2 2026 data
Muenster State Bank vs Unity National Bank of Houston
Metric by metric
| Measure | Muenster State Bank | Unity National Bank of Houston |
|---|---|---|
| TellerScore | 98 (stronger) | 65 |
| Capital cushion | 98 (stronger) | 70 |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 90 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 100th | 29th |
| Total assets | $227.0M | $224.9M |
| Deposits / shares | $192.3M | $193.5M |
| Capital ratio | 14.78% (stronger) | 12.02% |
| Problem loans | 0.00% (stronger) | 0.77% |
| Net charge-offs | 0.00% | -0.15% (stronger) |
| Return on assets | 2.36% (stronger) | 0.40% |
| Loans ÷ deposits | 42.5% (stronger) | 75.6% |
| Uninsured deposits | 24.1% (stronger) | 36.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Muenster State Bank has the higher TellerScore (98 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Muenster State Bank leads on 6 and Unity National Bank of Houston on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.