Side-by-side · Q2 2026 data
The Union Bank vs Security First Bank of North Dakota
Bank
Security First Bank of North Dakota
New Salem, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | The Union Bank | Security First Bank of North Dakota |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 51 | 80 (stronger) |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 76 | 95 (stronger) |
| Funding & liquidity | 81 (stronger) | 65 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 26th | 91st |
| Total assets | $312.2M | $293.2M |
| Deposits / shares | $266.2M | $246.8M |
| Capital ratio | 10.12% | 12.99% (stronger) |
| Problem loans | 1.38% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.86% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 92.6% |
| Uninsured deposits | 21.3% | 17.8% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Security First Bank of North Dakota has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank leads on 1 and Security First Bank of North Dakota on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.