Side-by-side · Q2 2026 data
Union State Bank vs Black River Country Bank
Metric by metric
| Measure | Union State Bank | Black River Country Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 69 |
| Capital cushion | 72 (stronger) | 39 |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 74 | 75 (stronger) |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 82nd | 40th |
| Total assets | $117.6M | $101.8M |
| Deposits / shares | $97.4M | $85.2M |
| Capital ratio | 12.15% (stronger) | 8.94% |
| Problem loans | 0.14% (stronger) | 0.29% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.34% | 1.38% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 92.2% |
| Uninsured deposits | 14.1% (stronger) | 17.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
Union State Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and Black River Country Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.