Side-by-side · Q2 2026 data
Union State Bank vs Bank of Commerce and Trust Company
Metric by metric
| Measure | Union State Bank | Bank of Commerce and Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 56 |
| Capital cushion | 52 (stronger) | 38 |
| Loan quality | 94 (stronger) | 61 |
| Earnings | 71 (stronger) | 48 |
| Funding & liquidity | 87 (stronger) | 84 |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 64th | 13th |
| Total assets | $719.1M | $112.8M |
| Deposits / shares | $633.3M | $104.4M |
| Capital ratio | 10.25% (stronger) | 8.84% |
| Problem loans | 0.19% (stronger) | 1.17% |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 1.27% (stronger) | 0.70% |
| Loans ÷ deposits | 68.4% | 45.0% (stronger) |
| Uninsured deposits | 19.1% (stronger) | 29.6% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 5.1% |
Union State Bank has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and Bank of Commerce and Trust Company on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.