Side-by-side · Q2 2026 data
UBank vs Putnam 1st Mercantile Bank
Metric by metric
| Measure | UBank | Putnam 1st Mercantile Bank |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 81 (stronger) | 67 |
| Loan quality | 77 | 96 (stronger) |
| Earnings | 68 | 97 (stronger) |
| Funding & liquidity | 45 | 57 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 82nd |
| Total assets | $182.8M | $178.9M |
| Deposits / shares | $158.4M | $159.8M |
| Capital ratio | 13.14% (stronger) | 11.72% |
| Problem loans | 0.68% | 0.13% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.20% | 1.93% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 91.8% |
| Uninsured deposits | 43.7% | 24.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Putnam 1st Mercantile Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 3 and Putnam 1st Mercantile Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.