Side-by-side · Q2 2026 data
UNICO Bank vs The Callaway Bank
Metric by metric
| Measure | UNICO Bank | The Callaway Bank |
|---|---|---|
| TellerScore | 47 | 67 (stronger) |
| Capital cushion | 39 | 51 (stronger) |
| Loan quality | 15 | 74 (stronger) |
| Earnings | 74 | 75 (stronger) |
| Funding & liquidity | 72 (stronger) | 63 |
| Problem-loan coverage | 57 | 89 (stronger) |
| Peer percentile | 5th | 34th |
| Total assets | $502.6M | $511.5M |
| Deposits / shares | $456.6M | $429.6M |
| Capital ratio | 8.89% | 10.12% (stronger) |
| Problem loans | 2.55% | 0.78% (stronger) |
| Net charge-offs | 0.11% | -0.07% (stronger) |
| Return on assets | 1.34% | 1.37% (stronger) |
| Loans ÷ deposits | 88.2% | 87.8% (stronger) |
| Uninsured deposits | 10.0% (stronger) | 23.6% |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 2.1% |
The Callaway Bank has the higher TellerScore (67 vs 47). On the 7 directional measures above (where higher or lower is clearly better), UNICO Bank leads on 1 and The Callaway Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.