Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Union Bank
Metric by metric
| Measure | The First National Bank of Oneida | Union Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 60 (stronger) | 57 |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 99 (stronger) | 40 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 82nd | 47th |
| Total assets | $367.8M | $247.0M |
| Deposits / shares | $328.0M | $223.5M |
| Capital ratio | 10.98% (stronger) | 10.68% |
| Problem loans | 0.27% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.97% (stronger) | 0.51% |
| Loans ÷ deposits | 68.9% | 44.2% (stronger) |
| Uninsured deposits | 24.2% | 15.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Oneida has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 5 and Union Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.