Side-by-side · Q2 2026 data
Ulster Savings Bank vs Genesee Regional Bank
Metric by metric
| Measure | Ulster Savings Bank | Genesee Regional Bank |
|---|---|---|
| TellerScore | 53 | 72 (stronger) |
| Capital cushion | 48 | 60 (stronger) |
| Loan quality | 49 | 80 (stronger) |
| Earnings | 42 | 81 (stronger) |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 76 | 92 (stronger) |
| Peer percentile | 11th | 66th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 9.79% | 10.97% (stronger) |
| Problem loans | 1.54% | 0.59% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 0.55% | 1.54% (stronger) |
| Loans ÷ deposits | 83.6% | 83.4% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 35.7% |
| Offices | 15 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.7% |
Genesee Regional Bank has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ulster Savings Bank leads on 2 and Genesee Regional Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.