Side-by-side · Q2 2026 data
Union State Bank vs The International Bank of Amherst
Metric by metric
| Measure | Union State Bank | The International Bank of Amherst |
|---|---|---|
| TellerScore | 82 | 98 (stronger) |
| Capital cushion | 72 | 94 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 100th |
| Total assets | $117.6M | $103.6M |
| Deposits / shares | $97.4M | $88.9M |
| Capital ratio | 12.15% | 14.42% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.34% | 2.14% (stronger) |
| Loans ÷ deposits | 79.6% | 59.7% (stronger) |
| Uninsured deposits | 14.1% | 12.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
The International Bank of Amherst has the higher TellerScore (98 vs 82). On the 6 directional measures above (where higher or lower is clearly better), Union State Bank leads on 0 and The International Bank of Amherst on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.