Side-by-side · Q2 2026 data
The First Central National Bank of St. Paris vs The Union Banking Company
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | The First Central National Bank of St. Paris | The Union Banking Company |
|---|---|---|
| TellerScore | 87 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 99 (stronger) | 78 |
| Earnings | 50 (stronger) | 30 |
| Funding & liquidity | 84 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 84th | 26th |
| Total assets | $97.0M | $54.5M |
| Deposits / shares | $76.8M | $45.4M |
| Capital ratio | 18.89% (stronger) | 10.77% |
| Problem loans | 0.02% (stronger) | 0.67% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.75% (stronger) | 0.24% |
| Loans ÷ deposits | 76.2% | 18.5% (stronger) |
| Uninsured deposits | 10.6% (stronger) | 27.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 65). On the 6 directional measures above (where higher or lower is clearly better), The First Central National Bank of St. Paris leads on 5 and The Union Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.