Side-by-side · Q2 2026 data
Pinnacle Bank vs Union Bank and Trust Company
Metric by metric
| Measure | Pinnacle Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 49 | 56 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 79 | 86 (stronger) |
| Funding & liquidity | 60 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 74th | 80th |
| Total assets | $9.2B | $9.2B |
| Deposits / shares | $8.1B | $7.5B |
| Capital ratio | 9.92% | 10.65% (stronger) |
| Problem loans | 0.07% (stronger) | 0.32% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.49% | 1.66% (stronger) |
| Loans ÷ deposits | 83.0% (stronger) | 91.6% |
| Uninsured deposits | 30.9% | 11.8% (stronger) |
| Offices | 64 | 37 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 11.7% |
Union Bank and Trust Company has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 3 and Union Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.