Side-by-side · Q2 2026 data
Union Bank vs Farmers State Bank
Metric by metric
| Measure | Union Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 57 | 76 (stronger) |
| Loan quality | 84 (stronger) | 72 |
| Earnings | 40 | 51 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 47th | 53rd |
| Total assets | $247.0M | $232.6M |
| Deposits / shares | $223.5M | $194.3M |
| Capital ratio | 10.68% | 12.63% (stronger) |
| Problem loans | 0.49% (stronger) | 0.83% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 0.51% | 0.77% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 75.1% |
| Uninsured deposits | 15.6% | 9.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State 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 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.