Side-by-side · Q2 2026 data
New Century Bank vs Union State Bank
Metric by metric
| Measure | New Century Bank | Union State Bank |
|---|---|---|
| TellerScore | 79 | 89 (stronger) |
| Capital cushion | 82 (stronger) | 77 |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 63rd | 87th |
| Total assets | $88.9M | $44.3M |
| Deposits / shares | $71.6M | $39.1M |
| Capital ratio | 13.16% (stronger) | 12.65% |
| Problem loans | 0.87% | 0.00% (stronger) |
| Net charge-offs | -0.15% | -0.33% (stronger) |
| Return on assets | 2.20% (stronger) | 1.46% |
| Loans ÷ deposits | 108.2% | 47.5% (stronger) |
| Uninsured deposits | 11.0% (stronger) | 13.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Union State Bank has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), New Century Bank leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.