Side-by-side · Q2 2026 data
Union State Bank vs Atkins Savings Bank & Trust
Metric by metric
| Measure | Union State Bank | Atkins Savings Bank & Trust |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 43 | 69 (stronger) |
| Loan quality | 83 | 98 (stronger) |
| Earnings | 77 | 80 (stronger) |
| Funding & liquidity | 83 (stronger) | 77 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 47th | 84th |
| Total assets | $168.7M | $172.2M |
| Deposits / shares | $142.5M | $146.2M |
| Capital ratio | 9.28% | 11.91% (stronger) |
| Problem loans | 0.51% | 0.05% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 1.41% | 1.50% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 83.1% |
| Uninsured deposits | 18.0% | 14.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Atkins Savings Bank & Trust has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and Atkins Savings Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.