Side-by-side · Q2 2026 data
Union State Bank vs Community First National Bank
Metric by metric
| Measure | Union State Bank | Community First National Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 77 |
| Capital cushion | 77 (stronger) | 59 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 78 | 95 (stronger) |
| Funding & liquidity | 100 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 87th | 68th |
| Total assets | $44.3M | $374.7M |
| Deposits / shares | $39.1M | $326.7M |
| Capital ratio | 12.65% (stronger) | 10.94% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | -0.33% (stronger) | -0.01% |
| Return on assets | 1.46% | 1.88% (stronger) |
| Loans ÷ deposits | 47.5% (stronger) | 88.1% |
| Uninsured deposits | 13.7% (stronger) | 35.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Union State Bank has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and Community First National Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.