Side-by-side · Q2 2026 data
UNB Bank vs Investment Savings Bank
Metric by metric
| Measure | UNB Bank | Investment Savings Bank |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 25 | 36 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 34th | 90th |
| Total assets | $167.3M | $105.2M |
| Deposits / shares | $156.4M | $75.5M |
| Capital ratio | 9.33% | 21.72% (stronger) |
| Problem loans | 0.12% (stronger) | 0.13% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.14% | 0.41% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 58.6% |
| Uninsured deposits | 9.8% | 4.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | 14.6% |
Investment Savings Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), UNB Bank leads on 3 and Investment Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.