Side-by-side · Q2 2026 data
Union State Bank vs First Cahawba Bank
Metric by metric
| Measure | Union State Bank | First Cahawba Bank |
|---|---|---|
| TellerScore | 50 | 74 (stronger) |
| Capital cushion | 46 | 58 (stronger) |
| Loan quality | 33 | 96 (stronger) |
| Earnings | 37 | 65 (stronger) |
| Funding & liquidity | 91 (stronger) | 62 |
| Problem-loan coverage | 65 | 98 (stronger) |
| Peer percentile | 7th | 57th |
| Total assets | $212.5M | $205.7M |
| Deposits / shares | $191.7M | $186.6M |
| Capital ratio | 9.61% | 10.81% (stronger) |
| Problem loans | 2.00% | 0.12% (stronger) |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 0.43% | 1.13% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 78.7% |
| Uninsured deposits | 23.0% (stronger) | 33.0% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
First Cahawba Bank has the higher TellerScore (74 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and First Cahawba Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.