Side-by-side · Q2 2026 data
Union Bank & Trust Company vs First State Bank
Metric by metric
| Measure | Union Bank & Trust Company | First State Bank |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 52 | 62 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 83 (stronger) | 65 |
| Funding & liquidity | 68 | 68 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $355.8M | $328.1M |
| Deposits / shares | $320.8M | $292.6M |
| Capital ratio | 10.19% | 11.24% (stronger) |
| Problem loans | 1.11% | 0.00% (stronger) |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.57% (stronger) | 1.12% |
| Loans ÷ deposits | 85.8% | 80.9% (stronger) |
| Uninsured deposits | 20.8% (stronger) | 25.5% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
First State Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Union Bank & Trust Company leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.