Side-by-side · Q2 2026 data
Union National Bank and Trust Company of Elgin vs Alliance Community Bank
Metric by metric
| Measure | Union National Bank and Trust Company of Elgin | Alliance Community Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 49 (stronger) | 41 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 81 (stronger) | 69 |
| Funding & liquidity | 45 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 53rd | 43rd |
| Total assets | $421.8M | $414.5M |
| Deposits / shares | $376.9M | $368.0M |
| Capital ratio | 9.85% (stronger) | 9.08% |
| Problem loans | 0.00% (stronger) | 0.55% |
| Net charge-offs | -0.00% (stronger) | 0.21% |
| Return on assets | 1.52% (stronger) | 1.24% |
| Loans ÷ deposits | 91.5% | 66.7% (stronger) |
| Uninsured deposits | 36.6% | 12.5% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Union National Bank and Trust Company of Elgin has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Union National Bank and Trust Company of Elgin leads on 5 and Alliance Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.