Side-by-side · Q2 2026 data
Union State Bank vs Richland County Bank
Metric by metric
| Measure | Union State Bank | Richland County Bank |
|---|---|---|
| TellerScore | 82 | 96 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 74 | 81 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 99th |
| Total assets | $117.6M | $114.1M |
| Deposits / shares | $97.4M | $96.0M |
| Capital ratio | 12.15% | 17.77% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.34% | 1.51% (stronger) |
| Loans ÷ deposits | 79.6% | 51.3% (stronger) |
| Uninsured deposits | 14.1% | 12.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
Richland County Bank has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 0 and Richland County Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.