Side-by-side · Q2 2026 data
Union State Bank vs Dream First Bank, National Association
Metric by metric
| Measure | Union State Bank | Dream First Bank, National Association |
|---|---|---|
| TellerScore | 76 (stronger) | 55 |
| Capital cushion | 52 (stronger) | 47 |
| Loan quality | 94 (stronger) | 38 |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 87 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 73 |
| Peer percentile | 64th | 11th |
| Total assets | $719.1M | $963.7M |
| Deposits / shares | $633.3M | $850.4M |
| Capital ratio | 10.25% (stronger) | 9.69% |
| Problem loans | 0.19% (stronger) | 1.86% |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.27% (stronger) | 1.07% |
| Loans ÷ deposits | 68.4% (stronger) | 76.9% |
| Uninsured deposits | 19.1% | 18.7% (stronger) |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Union State Bank has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and Dream First Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.