Side-by-side · Q2 2026 data
United Security Bank vs Flat Branch Bank
Metric by metric
| Measure | United Security Bank | Flat Branch Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 71 |
| Capital cushion | 84 (stronger) | 76 |
| Loan quality | 100 | 100 |
| Earnings | 93 (stronger) | 0 |
| Funding & liquidity | 40 | 85 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 78th | 42nd |
| Total assets | $97.2M | $92.8M |
| Deposits / shares | $81.2M | $79.2M |
| Capital ratio | 13.38% (stronger) | 12.58% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | -0.96% |
| Loans ÷ deposits | 93.0% | 72.6% (stronger) |
| Uninsured deposits | 39.2% | 17.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Security Bank has the higher TellerScore (85 vs 71). On the 6 directional measures above (where higher or lower is clearly better), United Security Bank leads on 3 and Flat Branch Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.