Side-by-side · Q2 2026 data
Vermillion State Bank vs Union Bank and Trust Company
Metric by metric
| Measure | Vermillion State Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 90 (stronger) | 38 |
| Capital cushion | 84 (stronger) | 50 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 83 (stronger) | 50 |
| Problem-loan coverage | 97 (stronger) | 47 |
| Peer percentile | 95th | 2nd |
| Total assets | $931.4M | $253.4M |
| Deposits / shares | $806.6M | $230.9M |
| Capital ratio | 13.40% (stronger) | 10.02% |
| Problem loans | 0.24% (stronger) | 3.13% |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | 2.56% (stronger) | 0.87% |
| Loans ÷ deposits | 51.7% | 49.2% (stronger) |
| Uninsured deposits | 30.2% (stronger) | 67.4% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Vermillion State Bank has the higher TellerScore (90 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 6 and Union Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.