Side-by-side · Q2 2026 data
Union State Bank vs First Option Bank
Metric by metric
| Measure | Union State Bank | First Option Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 52 (stronger) | 32 |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 87 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 64th | 37th |
| Total assets | $719.1M | $817.6M |
| Deposits / shares | $633.3M | $722.1M |
| Capital ratio | 10.25% (stronger) | 8.18% |
| Problem loans | 0.19% | 0.02% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.53% |
| Return on assets | 1.27% | 1.44% (stronger) |
| Loans ÷ deposits | 68.4% | 66.8% (stronger) |
| Uninsured deposits | 19.1% (stronger) | 44.8% |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 9.6% |
Union State Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and First Option Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.