Side-by-side · Q2 2026 data
Ninnescah Valley Bank vs Union State Bank
Metric by metric
| Measure | Ninnescah Valley Bank | Union State Bank |
|---|---|---|
| TellerScore | 57 | 89 (stronger) |
| Capital cushion | 70 | 77 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 73 | 78 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 16th | 87th |
| Total assets | $44.6M | $44.3M |
| Deposits / shares | $40.5M | $39.1M |
| Capital ratio | 12.04% | 12.65% (stronger) |
| Problem loans | 3.54% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.33% (stronger) |
| Return on assets | 1.32% | 1.46% (stronger) |
| Loans ÷ deposits | 44.4% (stronger) | 47.5% |
| Uninsured deposits | 21.6% | 13.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (89 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ninnescah Valley Bank leads on 1 and Union State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.