Side-by-side · Q2 2026 data
Vermillion State Bank vs United Bankers' Bank
Metric by metric
| Measure | Vermillion State Bank | United Bankers' Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 84 | 95 (stronger) |
| Loan quality | 92 (stronger) | 75 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 83 (stronger) | 26 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 95th | 74th |
| Total assets | $931.4M | $1.1B |
| Deposits / shares | $806.6M | $635.6M |
| Capital ratio | 13.40% | 14.46% (stronger) |
| Problem loans | 0.24% (stronger) | 0.76% |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 2.56% (stronger) | 1.28% |
| Loans ÷ deposits | 51.7% (stronger) | 120.6% |
| Uninsured deposits | 30.2% (stronger) | 36.9% |
| 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 74). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 6 and United Bankers' Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.