Side-by-side · Q2 2026 data
Union State Bank vs United Bank & Trust
Metric by metric
| Measure | Union State Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 52 | 65 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 71 | 81 (stronger) |
| Funding & liquidity | 87 (stronger) | 58 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 64th | 75th |
| Total assets | $719.1M | $892.9M |
| Deposits / shares | $633.3M | $714.1M |
| Capital ratio | 10.25% | 11.51% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.27% | 1.53% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 92.9% |
| Uninsured deposits | 19.1% (stronger) | 23.5% |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and United Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.