Side-by-side · Q2 2026 data
First Citizens Bank vs United Bank and Trust Company
Metric by metric
| Measure | First Citizens Bank | United Bank and Trust Company |
|---|---|---|
| TellerScore | 81 | 97 (stronger) |
| Capital cushion | 70 | 98 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 43 | 93 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 91st | 100th |
| Total assets | $1.8B | $228.4M |
| Deposits / shares | $1.6B | $199.7M |
| Capital ratio | 11.96% | 14.83% (stronger) |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 1.84% |
| Loans ÷ deposits | 83.2% | 60.9% (stronger) |
| Uninsured deposits | 45.6% | 20.6% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 1 and United Bank and Trust Company on 6. 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.