Side-by-side · Q2 2026 data
State Bank Financial vs Union State Bank
Metric by metric
| Measure | State Bank Financial | Union State Bank |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 49 | 72 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 70 | 74 (stronger) |
| Funding & liquidity | 66 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 82nd |
| Total assets | $512.1M | $117.6M |
| Deposits / shares | $439.0M | $97.4M |
| Capital ratio | 9.94% | 12.15% (stronger) |
| Problem loans | 0.11% (stronger) | 0.14% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.25% | 1.34% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 79.6% |
| Uninsured deposits | 29.4% | 14.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 4.1% |
Union State Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank Financial leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.