Side-by-side · Q2 2026 data
Chambers Bank vs United Bank
Metric by metric
| Measure | Chambers Bank | United Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 76 (stronger) | 57 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 91 (stronger) | 68 |
| Funding & liquidity | 46 | 60 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 57th |
| Total assets | $1.6B | $296.0M |
| Deposits / shares | $1.3B | $260.3M |
| Capital ratio | 12.57% (stronger) | 10.66% |
| Problem loans | 0.23% | 0.10% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.76% (stronger) | 1.20% |
| Loans ÷ deposits | 86.7% (stronger) | 93.6% |
| Uninsured deposits | 40.2% | 21.5% (stronger) |
| Offices | 24 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | 17.9% |
Chambers Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Chambers Bank leads on 4 and United Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.