Side-by-side · Q2 2026 data
Ventura National Bank & Trust vs Union State Bank
Metric by metric
| Measure | Ventura National Bank & Trust | Union State Bank |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 2 | 78 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 45th | 87th |
| Total assets | $41.7M | $44.3M |
| Deposits / shares | $32.8M | $39.1M |
| Capital ratio | 17.95% (stronger) | 12.65% |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.14% | -0.33% (stronger) |
| Return on assets | -0.46% | 1.46% (stronger) |
| Loans ÷ deposits | 111.1% | 47.5% (stronger) |
| Uninsured deposits | 11.6% (stronger) | 13.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union State Bank has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Ventura National Bank & Trust leads on 2 and Union State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.