Side-by-side · Q2 2026 data
Union State Bank vs Halstead Bank
Metric by metric
| Measure | Union State Bank | Halstead Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 53 (stronger) | 36 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 55 | 85 (stronger) |
| Funding & liquidity | 74 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 53rd | 40th |
| Total assets | $206.2M | $205.9M |
| Deposits / shares | $175.2M | $187.7M |
| Capital ratio | 10.29% (stronger) | 8.56% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 0.87% | 1.64% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 76.2% |
| Uninsured deposits | 34.5% | 34.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.9% |
Union State Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and Halstead Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.