Side-by-side · Q2 2026 data
Union State Bank vs The Farmers State Bank of Westmoreland
Metric by metric
| Measure | Union State Bank | The Farmers State Bank of Westmoreland |
|---|---|---|
| TellerScore | 89 (stronger) | 69 |
| Capital cushion | 77 | 89 (stronger) |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 87th | 40th |
| Total assets | $44.3M | $257.7M |
| Deposits / shares | $39.1M | $226.2M |
| Capital ratio | 12.65% | 13.88% (stronger) |
| Problem loans | 0.00% (stronger) | 2.03% |
| Net charge-offs | -0.33% (stronger) | 0.12% |
| Return on assets | 1.46% (stronger) | 1.10% |
| Loans ÷ deposits | 47.5% (stronger) | 62.6% |
| Uninsured deposits | 13.7% (stronger) | 23.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Union State Bank has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and The Farmers State Bank of Westmoreland 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.