Side-by-side · Q2 2026 data
United Southern Bank vs Surety Bank
Metric by metric
| Measure | United Southern Bank | Surety Bank |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 58 | 82 (stronger) |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 64th | 95th |
| Total assets | $843.0M | $213.7M |
| Deposits / shares | $769.1M | $189.6M |
| Capital ratio | 10.77% | 13.24% (stronger) |
| Problem loans | 0.44% | 0.22% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.23% | 2.06% (stronger) |
| Loans ÷ deposits | 59.9% | 53.5% (stronger) |
| Uninsured deposits | 20.3% (stronger) | 28.6% |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Surety Bank has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 1 and Surety Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.