Side-by-side · Q2 2026 data
Unified Bank vs Mechanics Bank
Metric by metric
| Measure | Unified Bank | Mechanics Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 61 |
| Capital cushion | 40 (stronger) | 34 |
| Loan quality | 57 | 86 (stronger) |
| Earnings | 75 (stronger) | 49 |
| Funding & liquidity | 89 (stronger) | 67 |
| Problem-loan coverage | 78 | 92 (stronger) |
| Peer percentile | 22nd | 20th |
| Total assets | $871.7M | $896.4M |
| Deposits / shares | $702.1M | $790.2M |
| Capital ratio | 8.99% (stronger) | 8.44% |
| Problem loans | 1.29% | 0.42% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.38% (stronger) | 0.72% |
| Loans ÷ deposits | 70.1% (stronger) | 92.9% |
| Uninsured deposits | 16.0% | 6.9% (stronger) |
| Offices | 19 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 3.7% |
Unified Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Unified Bank leads on 4 and Mechanics Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.