Side-by-side · Q2 2026 data
Union National Bank and Trust Company of Elgin vs Community Savings Bank
Metric by metric
| Measure | Union National Bank and Trust Company of Elgin | Community Savings Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 49 | 85 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 81 (stronger) | 11 |
| Funding & liquidity | 45 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 53rd | 61st |
| Total assets | $421.8M | $410.2M |
| Deposits / shares | $376.9M | $357.0M |
| Capital ratio | 9.85% | 13.50% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.52% (stronger) | -0.22% |
| Loans ÷ deposits | 91.5% | 65.6% (stronger) |
| Uninsured deposits | 36.6% | 5.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Community Savings Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Union National Bank and Trust Company of Elgin leads on 2 and Community Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.