Side-by-side · Q2 2026 data
Union Bank & Trust Company vs First Freedom Bank
Metric by metric
| Measure | Union Bank & Trust Company | First Freedom Bank |
|---|---|---|
| TellerScore | 66 | 85 (stronger) |
| Capital cushion | 79 (stronger) | 75 |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 77 (stronger) | 53 |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 28th | 88th |
| Total assets | $98.1M | $817.8M |
| Deposits / shares | $85.0M | $710.0M |
| Capital ratio | 12.87% (stronger) | 12.45% |
| Problem loans | 2.63% | 0.01% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 2.02% (stronger) | 1.99% |
| Loans ÷ deposits | 78.4% (stronger) | 95.8% |
| Uninsured deposits | 19.0% (stronger) | 25.0% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Union Bank & Trust Company leads on 5 and First Freedom Bank on 2. 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.