Side-by-side · Q2 2026 data
Concordia Bank & Trust Company vs United Community Bank
Metric by metric
| Measure | Concordia Bank & Trust Company | United Community Bank |
|---|---|---|
| TellerScore | 52 | 83 (stronger) |
| Capital cushion | 61 | 95 (stronger) |
| Loan quality | 15 | 76 (stronger) |
| Earnings | 65 | 88 (stronger) |
| Funding & liquidity | 74 (stronger) | 59 |
| Problem-loan coverage | 59 | 88 (stronger) |
| Peer percentile | 8th | 84th |
| Total assets | $667.0M | $665.5M |
| Deposits / shares | $585.7M | $560.0M |
| Capital ratio | 11.12% | 14.47% (stronger) |
| Problem loans | 2.54% | 0.73% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.17% |
| Return on assets | 1.13% | 1.70% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 89.4% |
| Uninsured deposits | 37.3% | 25.3% (stronger) |
| Offices | 8 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 4.5% |
United Community Bank has the higher TellerScore (83 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Concordia Bank & Trust Company leads on 2 and United Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.