Side-by-side · Q2 2026 data
Union State Bank vs KeySavings Bank
Metric by metric
| Measure | Union State Bank | KeySavings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 72 (stronger) | 44 |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 74 (stronger) | 42 |
| Funding & liquidity | 81 | 81 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 82nd | 37th |
| Total assets | $117.6M | $129.5M |
| Deposits / shares | $97.4M | $99.7M |
| Capital ratio | 12.15% (stronger) | 9.38% |
| Problem loans | 0.14% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 1.34% (stronger) | 0.55% |
| Loans ÷ deposits | 79.6% | 78.8% (stronger) |
| Uninsured deposits | 14.1% | 13.9% (stronger) |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and KeySavings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.