Side-by-side · Q2 2026 data
Elk State Bank vs United Bank & Trust
Metric by metric
| Measure | Elk State Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 32 | 65 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 48 | 81 (stronger) |
| Funding & liquidity | 90 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 37th | 75th |
| Total assets | $138.7M | $892.9M |
| Deposits / shares | $109.0M | $714.1M |
| Capital ratio | 8.25% | 11.51% (stronger) |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.70% | 1.53% (stronger) |
| Loans ÷ deposits | 70.4% (stronger) | 92.9% |
| Uninsured deposits | 5.6% (stronger) | 23.5% |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Elk State Bank leads on 3 and United Bank & Trust on 4. 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.
Where both have branches
- Concordia, KS
- Clyde, KS
- Seneca, KS