Side-by-side · Q2 2026 data
UBank vs FSNB, National Association
Metric by metric
| Measure | UBank | FSNB, National Association |
|---|---|---|
| TellerScore | 73 | 96 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 77 | 88 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 53rd | 99th |
| Total assets | $182.8M | $478.3M |
| Deposits / shares | $158.4M | $369.7M |
| Capital ratio | 13.14% | 17.51% (stronger) |
| Problem loans | 0.68% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.02% |
| Return on assets | 1.20% | 3.46% (stronger) |
| Loans ÷ deposits | 82.8% | 39.2% (stronger) |
| Uninsured deposits | 43.7% | 8.2% (stronger) |
| Offices | 2 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
FSNB, National Association has the higher TellerScore (96 vs 73). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 1 and FSNB, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.