Side-by-side · Q2 2026 data
Union State Bank vs TriCentury Bank
Metric by metric
| Measure | Union State Bank | TriCentury Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 53 | 58 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 55 | 87 (stronger) |
| Funding & liquidity | 74 (stronger) | 50 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 53rd | 68th |
| Total assets | $206.2M | $213.8M |
| Deposits / shares | $175.2M | $135.1M |
| Capital ratio | 10.29% | 10.76% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.87% | 1.68% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 131.0% |
| Uninsured deposits | 34.5% | 13.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
TriCentury Bank has the higher TellerScore (77 vs 73). On the 6 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and TriCentury Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.