Side-by-side · Q2 2026 data
Clear Mountain Bank vs First United Bank & Trust
Metric by metric
| Measure | Clear Mountain Bank | First United Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 81 (stronger) | 66 |
| Loan quality | 90 | 90 |
| Earnings | 86 (stronger) | 70 |
| Funding & liquidity | 63 | 63 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 94th | 77th |
| Total assets | $1.0B | $2.1B |
| Deposits / shares | $887.5M | $1.7B |
| Capital ratio | 13.08% (stronger) | 11.56% |
| Problem loans | 0.30% (stronger) | 0.31% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 1.65% (stronger) | 1.25% |
| Loans ÷ deposits | 84.9% (stronger) | 89.0% |
| Uninsured deposits | 26.5% | 22.7% (stronger) |
| Offices | 11 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Clear Mountain Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Clear Mountain Bank leads on 5 and First United Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.