Side-by-side · Q2 2026 data
Union Bank and Trust Company vs First FarmBank
Metric by metric
| Measure | Union Bank and Trust Company | First FarmBank |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 56 | 73 (stronger) |
| Loan quality | 89 (stronger) | 71 |
| Earnings | 86 (stronger) | 72 |
| Funding & liquidity | 69 (stronger) | 59 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 80th | 50th |
| Total assets | $9.2B | $384.4M |
| Deposits / shares | $7.5B | $327.1M |
| Capital ratio | 10.65% | 12.29% (stronger) |
| Problem loans | 0.32% (stronger) | 0.88% |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 1.66% (stronger) | 1.29% |
| Loans ÷ deposits | 91.6% | 89.4% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 25.5% |
| Offices | 37 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Union Bank and Trust Company has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 4 and First FarmBank on 3. 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.