Side-by-side · Q2 2026 data
Sidney State Bank vs Community Unity Bank
Metric by metric
| Measure | Sidney State Bank | Community Unity Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 97 (stronger) | 0 |
| Funding & liquidity | 83 (stronger) | 38 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 47th |
| Total assets | $138.7M | $107.1M |
| Deposits / shares | $123.1M | $85.8M |
| Capital ratio | 9.65% | 19.54% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.93% (stronger) | -1.68% |
| Loans ÷ deposits | 73.8% (stronger) | 92.4% |
| Uninsured deposits | 18.1% (stronger) | 41.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Sidney State Bank has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 5 and Community Unity Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.