Side-by-side · Q2 2026 data
The Union Bank Company vs The Sherwood State Bank
Metric by metric
| Measure | The Union Bank Company | The Sherwood State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 55 |
| Capital cushion | 58 | 73 (stronger) |
| Loan quality | 96 (stronger) | 21 |
| Earnings | 57 (stronger) | 51 |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 72 |
| Peer percentile | 74th | 11th |
| Total assets | $1.4B | $107.5M |
| Deposits / shares | $1.2B | $89.8M |
| Capital ratio | 10.78% | 12.32% (stronger) |
| Problem loans | 0.12% (stronger) | 2.36% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.92% (stronger) | 0.78% |
| Loans ÷ deposits | 71.7% (stronger) | 88.4% |
| Uninsured deposits | 28.2% | 11.4% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 4.3% |
The Union Bank Company has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank Company leads on 4 and The Sherwood State Bank on 3. 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.