Side-by-side · Q2 2026 data
First Bank Elk River vs United Community Bank
Metric by metric
| Measure | First Bank Elk River | United Community Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 49 |
| Capital cushion | 57 (stronger) | 55 |
| Loan quality | 82 (stronger) | 2 |
| Earnings | 43 | 55 (stronger) |
| Funding & liquidity | 55 | 96 (stronger) |
| Problem-loan coverage | 91 (stronger) | 61 |
| Peer percentile | 26th | 6th |
| Total assets | $369.2M | $359.3M |
| Deposits / shares | $269.9M | $326.7M |
| Capital ratio | 10.68% (stronger) | 10.49% |
| Problem loans | 0.53% (stronger) | 2.95% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.57% | 0.88% (stronger) |
| Loans ÷ deposits | 100.8% | 64.6% (stronger) |
| Uninsured deposits | 18.5% | 13.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
First Bank Elk River has the higher TellerScore (64 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Bank Elk River leads on 4 and United Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.