Side-by-side · Q2 2026 data
The Union Bank vs Kirkwood Bank & Trust Co.
Metric by metric
| Measure | The Union Bank | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 51 (stronger) | 49 |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 76 | 90 (stronger) |
| Funding & liquidity | 81 | 82 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 26th | 77th |
| Total assets | $312.2M | $351.3M |
| Deposits / shares | $266.2M | $312.6M |
| Capital ratio | 10.12% (stronger) | 9.91% |
| Problem loans | 1.38% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.75% (stronger) |
| Loans ÷ deposits | 72.5% | 71.1% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 21.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank leads on 2 and Kirkwood Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.