Side-by-side · Q2 2026 data
Dream First Bank, National Association vs United Bank & Trust
Metric by metric
| Measure | Dream First Bank, National Association | United Bank & Trust |
|---|---|---|
| TellerScore | 55 | 79 (stronger) |
| Capital cushion | 47 | 65 (stronger) |
| Loan quality | 38 | 100 (stronger) |
| Earnings | 63 | 81 (stronger) |
| Funding & liquidity | 79 (stronger) | 58 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 11th | 75th |
| Total assets | $963.7M | $892.9M |
| Deposits / shares | $850.4M | $714.1M |
| Capital ratio | 9.69% | 11.51% (stronger) |
| Problem loans | 1.86% | 0.00% (stronger) |
| Net charge-offs | 0.13% | -0.00% (stronger) |
| Return on assets | 1.07% | 1.53% (stronger) |
| Loans ÷ deposits | 76.9% (stronger) | 92.9% |
| Uninsured deposits | 18.7% (stronger) | 23.5% |
| Offices | 13 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Dream First Bank, National Association leads on 2 and United Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.