Side-by-side · Q2 2026 data
Union County Savings Bank vs First Commerce Bank
Metric by metric
| Measure | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 51 | 60 (stronger) |
| Capital cushion | 28 | 52 (stronger) |
| Loan quality | 70 | 76 (stronger) |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 32 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 8th | 21st |
| Total assets | $1.5B | $2.0B |
| Deposits / shares | $1.3B | $1.4B |
| Capital ratio | 7.77% | 10.15% (stronger) |
| Problem loans | 0.91% | 0.72% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -1.45% | 0.96% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 107.3% |
| Uninsured deposits | 15.7% (stronger) | 33.7% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Commerce Bank has the higher TellerScore (60 vs 51). On the 6 directional measures above (where higher or lower is clearly better), Union County Savings Bank leads on 2 and First Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.