Side-by-side · Q2 2026 data
Union State Bank vs The City State Bank
Metric by metric
| Measure | Union State Bank | The City State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 54 (stronger) | 39 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 63 | 88 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 63rd | 58th |
| Total assets | $73.8M | $57.7M |
| Deposits / shares | $65.2M | $52.7M |
| Capital ratio | 10.36% (stronger) | 8.92% |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.91% (stronger) | 1.61% |
| Loans ÷ deposits | 86.6% | 72.4% (stronger) |
| Uninsured deposits | 24.6% | 7.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 3 and The City State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.