Side-by-side · Q2 2026 data
University Bank vs First State Bank
Metric by metric
| Measure | University Bank | First State Bank |
|---|---|---|
| TellerScore | 60 | 63 (stronger) |
| Capital cushion | 51 (stronger) | 50 |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 63 | 69 (stronger) |
| Funding & liquidity | 8 | 50 (stronger) |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 21st | 30th |
| Total assets | $1.2B | $1.3B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 10.08% (stronger) | 10.01% |
| Problem loans | 0.41% (stronger) | 0.81% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 1.08% | 1.24% (stronger) |
| Loans ÷ deposits | 102.7% | 85.8% (stronger) |
| Uninsured deposits | 70.2% | 36.8% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 4.6% |
First State Bank has the higher TellerScore (63 vs 60). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.