Side-by-side · Q2 2026 data
The State Bank of Toledo vs Union State Bank
Metric by metric
| Measure | The State Bank of Toledo | Union State Bank |
|---|---|---|
| TellerScore | 52 | 70 (stronger) |
| Capital cushion | 48 (stronger) | 31 |
| Loan quality | 32 | 100 (stronger) |
| Earnings | 63 | 66 (stronger) |
| Funding & liquidity | 66 | 81 (stronger) |
| Problem-loan coverage | 67 | 100 (stronger) |
| Peer percentile | 8th | 43rd |
| Total assets | $134.6M | $136.5M |
| Deposits / shares | $120.2M | $125.3M |
| Capital ratio | 9.83% (stronger) | 8.12% |
| Problem loans | 2.04% | 0.00% (stronger) |
| Net charge-offs | 0.27% | 0.01% (stronger) |
| Return on assets | 1.07% | 1.15% (stronger) |
| Loans ÷ deposits | 89.9% | 68.6% (stronger) |
| Uninsured deposits | 18.6% (stronger) | 25.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Union State Bank has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Toledo leads on 2 and Union State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.