Side-by-side · Q2 2026 data
United Southern Bank vs Bank of Cadiz and Trust Company
Metric by metric
| Measure | United Southern Bank | Bank of Cadiz and Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 77 (stronger) | 41 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 78 (stronger) | 60 |
| Funding & liquidity | 70 | 98 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 80th | 57th |
| Total assets | $353.7M | $142.9M |
| Deposits / shares | $308.3M | $137.9M |
| Capital ratio | 12.66% (stronger) | 9.07% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.38% |
| Return on assets | 1.46% (stronger) | 0.99% |
| Loans ÷ deposits | 90.1% | 61.9% (stronger) |
| Uninsured deposits | 12.4% | 9.3% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 4 and Bank of Cadiz and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.