Side-by-side · Q2 2026 data
Union Bank & Trust Company vs Merchants and Farmers Bank
Metric by metric
| Measure | Union Bank & Trust Company | Merchants and Farmers Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 50 |
| Capital cushion | 52 | 57 (stronger) |
| Loan quality | 63 (stronger) | 20 |
| Earnings | 83 (stronger) | 69 |
| Funding & liquidity | 68 (stronger) | 50 |
| Problem-loan coverage | 83 (stronger) | 65 |
| Peer percentile | 31st | 7th |
| Total assets | $355.8M | $297.6M |
| Deposits / shares | $320.8M | $255.9M |
| Capital ratio | 10.19% | 10.74% (stronger) |
| Problem loans | 1.11% (stronger) | 2.40% |
| Net charge-offs | 0.10% (stronger) | 0.11% |
| Return on assets | 1.57% (stronger) | 1.22% |
| Loans ÷ deposits | 85.8% (stronger) | 90.3% |
| Uninsured deposits | 20.8% (stronger) | 32.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.9% |
Union Bank & Trust Company has the higher TellerScore (66 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Union Bank & Trust Company leads on 6 and Merchants and Farmers Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.