Side-by-side · Q2 2026 data
First & Peoples Bank and Trust Company vs United Citizens Bank & Trust Company
Metric by metric
| Measure | First & Peoples Bank and Trust Company | United Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 27 | 56 (stronger) |
| Capital cushion | 40 | 50 (stronger) |
| Loan quality | 0 | 41 (stronger) |
| Earnings | 1 | 62 (stronger) |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 0 | 72 (stronger) |
| Peer percentile | 0th | 13th |
| Total assets | $207.1M | $219.3M |
| Deposits / shares | $190.6M | $197.5M |
| Capital ratio | 9.05% | 10.02% (stronger) |
| Problem loans | 15.30% | 1.78% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | -0.48% | 1.05% (stronger) |
| Loans ÷ deposits | 45.9% (stronger) | 89.1% |
| Uninsured deposits | 14.7% | 12.6% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
United Citizens Bank & Trust Company has the higher TellerScore (56 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First & Peoples Bank and Trust Company leads on 2 and United Citizens Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.