Side-by-side · Q2 2026 data
Union State Bank vs First Commerce Bank
Metric by metric
| Measure | Union State Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 77 (stronger) | 68 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 78 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 87th | 75th |
| Total assets | $44.3M | $138.5M |
| Deposits / shares | $39.1M | $120.6M |
| Capital ratio | 12.65% (stronger) | 11.79% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.33% (stronger) | -0.00% |
| Return on assets | 1.46% | 1.75% (stronger) |
| Loans ÷ deposits | 47.5% (stronger) | 93.1% |
| Uninsured deposits | 13.7% (stronger) | 26.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and First Commerce Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.