Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Five Points Bank
Metric by metric
| Measure | Union Bank and Trust Company | Five Points Bank |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 56 (stronger) | 53 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 86 (stronger) | 78 |
| Funding & liquidity | 69 (stronger) | 63 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 80th | 80th |
| Total assets | $9.2B | $2.2B |
| Deposits / shares | $7.5B | $2.0B |
| Capital ratio | 10.65% (stronger) | 10.30% |
| Problem loans | 0.32% | 0.01% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.45% |
| Loans ÷ deposits | 91.6% | 67.9% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 41.5% |
| Offices | 37 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 2.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 3 and Five Points Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.