Side-by-side · Q2 2026 data
Union Bank & Trust Company vs The Citizens Bank
Metric by metric
| Measure | Union Bank & Trust Company | The Citizens Bank |
|---|---|---|
| TellerScore | 66 | 70 (stronger) |
| Capital cushion | 52 (stronger) | 39 |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 83 (stronger) | 82 |
| Funding & liquidity | 68 (stronger) | 67 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 31st | 58th |
| Total assets | $355.8M | $1.6B |
| Deposits / shares | $320.8M | $1.5B |
| Capital ratio | 10.19% (stronger) | 8.87% |
| Problem loans | 1.11% | 0.37% (stronger) |
| Net charge-offs | 0.10% | 0.08% (stronger) |
| Return on assets | 1.57% (stronger) | 1.55% |
| Loans ÷ deposits | 85.8% | 85.2% (stronger) |
| Uninsured deposits | 20.8% (stronger) | 22.8% |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Union Bank & Trust Company leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Monticello, AR