Side-by-side · Q2 2026 data
Unity Bank vs First Bank
Metric by metric
| Measure | Unity Bank | First Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 59 |
| Capital cushion | 79 (stronger) | 52 |
| Loan quality | 59 | 71 (stronger) |
| Earnings | 96 (stronger) | 57 |
| Funding & liquidity | 23 | 33 (stronger) |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 53rd | 19th |
| Total assets | $3.2B | $4.1B |
| Deposits / shares | $2.5B | $3.3B |
| Capital ratio | 12.88% (stronger) | 10.17% |
| Problem loans | 1.23% | 0.86% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.40% |
| Return on assets | 1.91% (stronger) | 0.92% |
| Loans ÷ deposits | 107.5% | 100.1% (stronger) |
| Uninsured deposits | 42.1% | 39.3% (stronger) |
| Offices | 22 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 9.5% |
Unity Bank has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Unity Bank leads on 4 and First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.