Side-by-side · Q2 2026 data
The Vinton County National Bank vs The Union Bank Company
Metric by metric
| Measure | The Vinton County National Bank | The Union Bank Company |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 55 | 58 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 72 (stronger) | 57 |
| Funding & liquidity | 62 | 74 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 70th | 74th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 10.49% | 10.78% (stronger) |
| Problem loans | 0.27% | 0.12% (stronger) |
| Net charge-offs | 0.09% | 0.02% (stronger) |
| Return on assets | 1.29% (stronger) | 0.92% |
| Loans ÷ deposits | 80.4% | 71.7% (stronger) |
| Uninsured deposits | 30.9% | 28.2% (stronger) |
| Offices | 16 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 11.5% |
The Union Bank Company has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 1 and The Union Bank Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.