Side-by-side · Q2 2026 data
The First National Bank of Waverly vs Union Savings Bank
Metric by metric
| Measure | The First National Bank of Waverly | Union Savings Bank |
|---|---|---|
| TellerScore | 41 | 74 (stronger) |
| Capital cushion | 42 | 55 (stronger) |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 50 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 61 |
| Problem-loan coverage | 64 | 88 (stronger) |
| Peer percentile | 3rd | 74th |
| Total assets | $196.2M | $4.0B |
| Deposits / shares | $172.6M | $3.5B |
| Capital ratio | 9.22% | 10.51% (stronger) |
| Problem loans | 3.61% | 0.70% (stronger) |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 0.74% | 2.01% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 99.7% |
| Uninsured deposits | 30.6% | 13.4% (stronger) |
| Offices | 4 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waverly leads on 1 and Union Savings Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.