Side-by-side · Q2 2026 data
Unity Bank vs First State Bank
Metric by metric
| Measure | Unity Bank | First State Bank |
|---|---|---|
| TellerScore | 27 | 69 (stronger) |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 21 | 53 (stronger) |
| Funding & liquidity | 77 (stronger) | 68 |
| Problem-loan coverage | 0 | 98 (stronger) |
| Peer percentile | 0th | 40th |
| Total assets | $574.8M | $558.1M |
| Deposits / shares | $509.6M | $449.8M |
| Capital ratio | 8.78% | 9.80% (stronger) |
| Problem loans | 8.39% | 0.12% (stronger) |
| Net charge-offs | 0.54% | 0.02% (stronger) |
| Return on assets | 0.03% | 0.83% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 87.1% |
| Uninsured deposits | 11.6% (stronger) | 19.5% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
First State Bank has the higher TellerScore (69 vs 27). On the 7 directional measures above (where higher or lower is clearly better), Unity Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.