Side-by-side · Q2 2026 data
Union State Bank vs Small Business Bank
Metric by metric
| Measure | Union State Bank | Small Business Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 11 |
| Capital cushion | 54 (stronger) | 0 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 63 | 73 (stronger) |
| Problem-loan coverage | 97 (stronger) | 0 |
| Peer percentile | 63rd | 0th |
| Total assets | $73.8M | $72.9M |
| Deposits / shares | $65.2M | $68.8M |
| Capital ratio | 10.36% (stronger) | 4.83% |
| Problem loans | 0.18% (stronger) | 4.81% |
| Net charge-offs | 0.08% | -0.03% (stronger) |
| Return on assets | 2.91% (stronger) | -4.29% |
| Loans ÷ deposits | 86.6% (stronger) | 87.2% |
| Uninsured deposits | 24.6% | 9.9% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (79 vs 11). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 5 and Small Business Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.