Side-by-side · Q2 2026 data
Union State Bank vs First Commerce Bank
Metric by metric
| Measure | Union State Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 53 | 68 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 55 | 90 (stronger) |
| Funding & liquidity | 74 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 53rd | 75th |
| Total assets | $206.2M | $138.5M |
| Deposits / shares | $175.2M | $120.6M |
| Capital ratio | 10.29% | 11.79% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.87% | 1.75% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 93.1% |
| Uninsured deposits | 34.5% | 26.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Commerce Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 3 and First Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.