Side-by-side · Q2 2026 data
Union State Bank vs Farmers & Merchants Bank of Colby
Metric by metric
| Measure | Union State Bank | Farmers & Merchants Bank of Colby |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 52 | 62 (stronger) |
| Loan quality | 94 (stronger) | 80 |
| Earnings | 71 | 88 (stronger) |
| Funding & liquidity | 87 (stronger) | 52 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 64th | 53rd |
| Total assets | $719.1M | $650.8M |
| Deposits / shares | $633.3M | $511.3M |
| Capital ratio | 10.25% | 11.23% (stronger) |
| Problem loans | 0.19% (stronger) | 0.61% |
| Net charge-offs | 0.01% | -0.04% (stronger) |
| Return on assets | 1.27% | 1.69% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 93.0% |
| Uninsured deposits | 19.1% (stronger) | 28.8% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Union State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and Farmers & Merchants Bank of Colby on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.