Side-by-side · Q2 2026 data
Unity National Bank of Houston vs Cypress Bank, SSB
Metric by metric
| Measure | Unity National Bank of Houston | Cypress Bank, SSB |
|---|---|---|
| TellerScore | 65 (stronger) | 59 |
| Capital cushion | 70 (stronger) | 64 |
| Loan quality | 74 (stronger) | 39 |
| Earnings | 36 | 44 (stronger) |
| Funding & liquidity | 60 | 88 (stronger) |
| Problem-loan coverage | 89 (stronger) | 77 |
| Peer percentile | 29th | 17th |
| Total assets | $224.9M | $235.5M |
| Deposits / shares | $193.5M | $192.9M |
| Capital ratio | 12.02% (stronger) | 11.44% |
| Problem loans | 0.77% (stronger) | 1.84% |
| Net charge-offs | -0.15% (stronger) | 0.06% |
| Return on assets | 0.40% | 0.59% (stronger) |
| Loans ÷ deposits | 75.6% | 72.1% (stronger) |
| Uninsured deposits | 36.9% | 9.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Unity National Bank of Houston has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Unity National Bank of Houston leads on 4 and Cypress Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.