Side-by-side · Q2 2026 data
Union Bank vs Builtwell Bank
Metric by metric
| Measure | Union Bank | Builtwell Bank |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 57 (stronger) | 47 |
| Loan quality | 84 (stronger) | 81 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 47th | 70th |
| Total assets | $247.0M | $2.3B |
| Deposits / shares | $223.5M | $2.0B |
| Capital ratio | 10.68% (stronger) | 9.71% |
| Problem loans | 0.49% (stronger) | 0.57% |
| Net charge-offs | 0.03% | -0.05% (stronger) |
| Return on assets | 0.51% | 2.07% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 76.6% |
| Uninsured deposits | 15.6% (stronger) | 35.9% |
| Offices | 3 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.5% |
Builtwell Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Union Bank leads on 4 and Builtwell Bank on 3. 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.
Where both have branches
- Clarkrange, TN
- Jamestown, TN