Side-by-side · Q2 2026 data
Clay County Bank, Inc. vs United Bank
Metric by metric
| Measure | Clay County Bank, Inc. | United Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 74 |
| Capital cushion | 98 (stronger) | 66 |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 70 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 44 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 96th | 87th |
| Total assets | $135.9M | $33.6B |
| Deposits / shares | $116.2M | $27.3B |
| Capital ratio | 14.80% (stronger) | 11.60% |
| Problem loans | 0.28% (stronger) | 0.44% |
| Net charge-offs | 0.13% | 0.09% (stronger) |
| Return on assets | 1.26% | 1.56% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 90.5% |
| Uninsured deposits | 14.2% (stronger) | 38.3% |
| Offices | 1 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 16.3% | 20.3% |
Clay County Bank, Inc. has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Clay County Bank, Inc. leads on 5 and United Bank on 2. 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.