Side-by-side · Q2 2026 data
First Community Bank vs United Bank & Trust Co.
Metric by metric
| Measure | First Community Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 64 (stronger) | 63 |
| Capital cushion | 44 | 55 (stronger) |
| Loan quality | 56 (stronger) | 48 |
| Earnings | 79 (stronger) | 70 |
| Funding & liquidity | 83 | 83 |
| Problem-loan coverage | 87 (stronger) | 83 |
| Peer percentile | 26th | 24th |
| Total assets | $115.7M | $120.1M |
| Deposits / shares | $97.8M | $106.7M |
| Capital ratio | 9.40% | 10.46% (stronger) |
| Problem loans | 1.32% (stronger) | 1.57% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.47% (stronger) | 1.24% |
| Loans ÷ deposits | 76.9% | 63.7% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 27.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank has the higher TellerScore (64 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 4 and United Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.