Side-by-side · Q2 2026 data
The Union Bank Company vs The State Bank and Trust Company
Metric by metric
| Measure | The Union Bank Company | The State Bank and Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 58 (stronger) | 50 |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 57 | 67 (stronger) |
| Funding & liquidity | 74 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 74th | 58th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.2B | $1.4B |
| Capital ratio | 10.78% (stronger) | 10.00% |
| Problem loans | 0.12% (stronger) | 0.30% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 0.92% | 1.17% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 84.3% |
| Uninsured deposits | 28.2% | 26.6% (stronger) |
| Offices | 14 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 9.9% |
The Union Bank Company has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank Company leads on 5 and The State Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Findlay, OH
- Lima, OH
- Bowling Green, OH
- Paulding, OH