Side-by-side · Q2 2026 data
Southern Hills Community Bank vs Union Savings Bank
Metric by metric
| Measure | Southern Hills Community Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 88 (stronger) | 55 |
| Loan quality | 47 | 77 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 47th | 74th |
| Total assets | $209.6M | $4.0B |
| Deposits / shares | $179.5M | $3.5B |
| Capital ratio | 13.77% (stronger) | 10.51% |
| Problem loans | 1.58% | 0.70% (stronger) |
| Net charge-offs | 0.14% | -0.01% (stronger) |
| Return on assets | 0.62% | 2.01% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 99.7% |
| Uninsured deposits | 14.9% | 13.4% (stronger) |
| Offices | 8 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Southern Hills Community Bank leads on 2 and Union Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.