Side-by-side · Q2 2026 data
Spencer Savings Bank, SLA vs Unity Bank
Metric by metric
| Measure | Spencer Savings Bank, SLA | Unity Bank |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 62 | 79 (stronger) |
| Loan quality | 81 (stronger) | 59 |
| Earnings | 45 | 96 (stronger) |
| Funding & liquidity | 23 | 23 |
| Problem-loan coverage | 93 (stronger) | 83 |
| Peer percentile | 24th | 53rd |
| Total assets | $4.0B | $3.2B |
| Deposits / shares | $3.0B | $2.5B |
| Capital ratio | 11.23% | 12.88% (stronger) |
| Problem loans | 0.58% (stronger) | 1.23% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.63% | 1.91% (stronger) |
| Loans ÷ deposits | 107.4% (stronger) | 107.5% |
| Uninsured deposits | 41.6% (stronger) | 42.1% |
| Offices | 28 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | 9.9% |
Unity Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Spencer Savings Bank, SLA leads on 3 and Unity Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.