Side-by-side · Q2 2026 data
United Southern Bank vs Flagship Bank
Metric by metric
| Measure | United Southern Bank | Flagship Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 58 | 67 (stronger) |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 69 (stronger) | 59 |
| Funding & liquidity | 94 (stronger) | 34 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 64th | 50th |
| Total assets | $843.0M | $802.8M |
| Deposits / shares | $769.1M | $670.4M |
| Capital ratio | 10.77% | 11.69% (stronger) |
| Problem loans | 0.44% | 0.02% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.23% (stronger) | 0.96% |
| Loans ÷ deposits | 59.9% (stronger) | 93.1% |
| Uninsured deposits | 20.3% (stronger) | 45.3% |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.8% |
United Southern Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 4 and Flagship Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.