Side-by-side · Q2 2026 data
UniBank vs Commencement Bank
Metric by metric
| Measure | UniBank | Commencement Bank |
|---|---|---|
| TellerScore | 50 | 69 (stronger) |
| Capital cushion | 23 | 53 (stronger) |
| Loan quality | 82 | 97 (stronger) |
| Earnings | 10 | 60 (stronger) |
| Funding & liquidity | 76 (stronger) | 45 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 7th | 40th |
| Total assets | $393.0M | $739.6M |
| Deposits / shares | $322.6M | $660.2M |
| Capital ratio | 7.31% | 10.30% (stronger) |
| Problem loans | 0.54% | 0.09% (stronger) |
| Net charge-offs | -1.39% (stronger) | 0.05% |
| Return on assets | -0.25% | 0.99% (stronger) |
| Loans ÷ deposits | 83.0% (stronger) | 83.3% |
| Uninsured deposits | 16.0% (stronger) | 44.0% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commencement Bank has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), UniBank leads on 3 and Commencement Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.