Side-by-side · Q2 2026 data
State Bank of Bement vs Union Savings Bank
Metric by metric
| Measure | State Bank of Bement | Union Savings Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 52 (stronger) | 45 |
| Loan quality | 82 | 91 (stronger) |
| Earnings | 47 (stronger) | 32 |
| Funding & liquidity | 81 | 91 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 34th | 31st |
| Total assets | $185.6M | $182.0M |
| Deposits / shares | $165.9M | $166.1M |
| Capital ratio | 10.19% (stronger) | 9.52% |
| Problem loans | 0.54% | 0.27% (stronger) |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 0.68% (stronger) | 0.31% |
| Loans ÷ deposits | 65.1% (stronger) | 69.4% |
| Uninsured deposits | 28.1% | 6.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 5.1% |
State Bank of Bement has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Bement leads on 4 and Union Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.