Side-by-side · Q2 2026 data
Ulster Savings Bank vs Pathfinder Bank
Metric by metric
| Measure | Ulster Savings Bank | Pathfinder Bank |
|---|---|---|
| TellerScore | 53 (stronger) | 42 |
| Capital cushion | 48 (stronger) | 46 |
| Loan quality | 49 (stronger) | 0 |
| Earnings | 42 | 57 (stronger) |
| Funding & liquidity | 70 | 76 (stronger) |
| Problem-loan coverage | 76 (stronger) | 50 |
| Peer percentile | 11th | 3rd |
| Total assets | $1.4B | $1.5B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.79% (stronger) | 9.64% |
| Problem loans | 1.54% (stronger) | 4.69% |
| Net charge-offs | 0.03% (stronger) | 0.48% |
| Return on assets | 0.55% | 0.94% (stronger) |
| Loans ÷ deposits | 83.6% | 73.4% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 24.5% |
| Offices | 15 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ulster Savings Bank has the higher TellerScore (53 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Ulster Savings Bank leads on 5 and Pathfinder Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.