Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Clarkson Bank
Metric by metric
| Measure | Union Bank and Trust Company | Clarkson Bank |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 56 | 60 (stronger) |
| Loan quality | 89 | 94 (stronger) |
| Earnings | 86 | 88 (stronger) |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 80th | 70th |
| Total assets | $9.2B | $81.4M |
| Deposits / shares | $7.5B | $70.7M |
| Capital ratio | 10.65% | 11.04% (stronger) |
| Problem loans | 0.32% | 0.19% (stronger) |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.66% | 1.71% (stronger) |
| Loans ÷ deposits | 91.6% | 60.1% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 29.8% |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Clarkson Bank has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 1 and Clarkson Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.