Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Verus Bank of Commerce
Metric by metric
| Measure | Union Bank and Trust Company | Verus Bank of Commerce |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 86 (stronger) | 61 |
| Funding & liquidity | 69 (stronger) | 45 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 80th | 86th |
| Total assets | $9.2B | $202.4M |
| Deposits / shares | $7.5B | $162.9M |
| Capital ratio | 10.65% | 18.46% (stronger) |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.02% |
| Loans ÷ deposits | 91.6% (stronger) | 107.5% |
| Uninsured deposits | 11.8% (stronger) | 21.9% |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Verus Bank of Commerce has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 3 and Verus Bank of Commerce on 4. 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.