Side-by-side · Q2 2026 data
Union State Bank vs Cottonwood Valley Bank
Metric by metric
| Measure | Union State Bank | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 77 | 94 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 78 (stronger) | 57 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 87th | 89th |
| Total assets | $44.3M | $38.1M |
| Deposits / shares | $39.1M | $32.7M |
| Capital ratio | 12.65% | 14.39% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.33% (stronger) | -0.16% |
| Return on assets | 1.46% (stronger) | 0.93% |
| Loans ÷ deposits | 47.5% | 17.9% (stronger) |
| Uninsured deposits | 13.7% | 10.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 89). On the 6 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and Cottonwood Valley Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.