Side-by-side · Q2 2026 data
Fairfax State Savings Bank vs United Community Bank
Metric by metric
| Measure | Fairfax State Savings Bank | United Community Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 51 |
| Capital cushion | 45 (stronger) | 35 |
| Loan quality | 92 (stronger) | 50 |
| Earnings | 49 | 65 (stronger) |
| Funding & liquidity | 87 (stronger) | 46 |
| Problem-loan coverage | 77 | 79 (stronger) |
| Peer percentile | 34th | 8th |
| Total assets | $287.0M | $290.0M |
| Deposits / shares | $229.5M | $232.7M |
| Capital ratio | 9.46% (stronger) | 8.45% |
| Problem loans | 0.25% (stronger) | 1.51% |
| Net charge-offs | -0.09% (stronger) | 0.00% |
| Return on assets | 0.73% | 1.12% (stronger) |
| Loans ÷ deposits | 68.0% (stronger) | 89.6% |
| Uninsured deposits | 19.9% (stronger) | 37.4% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
Fairfax State Savings Bank has the higher TellerScore (67 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Fairfax State Savings Bank leads on 6 and United Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.