Side-by-side · Q2 2026 data
Citizens Alliance Bank vs United Bankers' Bank
Metric by metric
| Measure | Citizens Alliance Bank | United Bankers' Bank |
|---|---|---|
| TellerScore | 47 | 74 (stronger) |
| Capital cushion | 48 | 95 (stronger) |
| Loan quality | 51 | 75 (stronger) |
| Earnings | 28 | 71 (stronger) |
| Funding & liquidity | 39 (stronger) | 26 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 5th | 74th |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $635.6M |
| Capital ratio | 9.81% | 14.46% (stronger) |
| Problem loans | 1.48% | 0.76% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.20% | 1.28% (stronger) |
| Loans ÷ deposits | 82.0% (stronger) | 120.6% |
| Uninsured deposits | 49.9% | 36.9% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
United Bankers' Bank has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens Alliance Bank leads on 2 and United Bankers' Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.