Side-by-side · Q2 2026 data
Avidbank vs United Business Bank
Metric by metric
| Measure | Avidbank | United Business Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 60 |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 78 | 84 (stronger) |
| Earnings | 74 (stronger) | 25 |
| Funding & liquidity | 39 (stronger) | 31 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 58th | 21st |
| Total assets | $2.7B | $2.6B |
| Deposits / shares | $2.3B | $2.2B |
| Capital ratio | 11.99% (stronger) | 11.66% |
| Problem loans | 0.65% | 0.47% (stronger) |
| Net charge-offs | 0.43% | 0.28% (stronger) |
| Return on assets | 1.35% (stronger) | 0.12% |
| Loans ÷ deposits | 94.7% | 94.4% (stronger) |
| Uninsured deposits | 39.5% (stronger) | 46.5% |
| Offices | 1 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Avidbank has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Avidbank leads on 4 and United Business Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.