Side-by-side · Q2 2026 data
York State Bank vs United Republic Bank
Metric by metric
| Measure | York State Bank | United Republic Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 36 |
| Capital cushion | 89 (stronger) | 66 |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 100 (stronger) | 26 |
| Funding & liquidity | 70 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 3 |
| Peer percentile | 95th | 1st |
| Total assets | $200.2M | $185.8M |
| Deposits / shares | $167.4M | $147.4M |
| Capital ratio | 13.92% (stronger) | 11.57% |
| Problem loans | 0.20% (stronger) | 4.89% |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 0.15% |
| Loans ÷ deposits | 77.1% (stronger) | 91.1% |
| Uninsured deposits | 27.4% | 8.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
York State Bank has the higher TellerScore (90 vs 36). On the 7 directional measures above (where higher or lower is clearly better), York State Bank leads on 5 and United Republic Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.