Side-by-side · Q2 2026 data
Universal Bank vs Community Bank of Santa Maria
Metric by metric
| Measure | Universal Bank | Community Bank of Santa Maria |
|---|---|---|
| TellerScore | 54 | 72 (stronger) |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 34 | 63 (stronger) |
| Funding & liquidity | 66 (stronger) | 63 |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 10th | 50th |
| Total assets | $388.0M | $396.5M |
| Deposits / shares | $275.1M | $350.4M |
| Capital ratio | 17.80% (stronger) | 10.49% |
| Problem loans | 3.74% | 0.15% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 0.36% | 1.07% (stronger) |
| Loans ÷ deposits | 94.1% | 83.5% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 27.0% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank of Santa Maria has the higher TellerScore (72 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Universal Bank leads on 3 and Community Bank of Santa Maria on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.