Side-by-side · Q2 2026 data
Union State Bank vs The State Exchange Bank
Metric by metric
| Measure | Union State Bank | The State Exchange Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 65 |
| Capital cushion | 77 (stronger) | 72 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 78 (stronger) | 69 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 87th | 26th |
| Total assets | $44.3M | $50.9M |
| Deposits / shares | $39.1M | $46.5M |
| Capital ratio | 12.65% (stronger) | 12.25% |
| Problem loans | 0.00% (stronger) | 1.85% |
| Net charge-offs | -0.33% (stronger) | 0.08% |
| Return on assets | 1.46% (stronger) | 1.22% |
| Loans ÷ deposits | 47.5% | 36.2% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 34.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (89 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and The State Exchange Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.