Side-by-side · Q2 2026 data
First National Bank vs United Bank
Metric by metric
| Measure | First National Bank | United Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 38 | 66 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 90 (stronger) | 82 |
| Funding & liquidity | 70 (stronger) | 44 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 70th | 87th |
| Total assets | $1.1B | $33.6B |
| Deposits / shares | $1.0B | $27.3B |
| Capital ratio | 8.84% | 11.60% (stronger) |
| Problem loans | 0.19% (stronger) | 0.44% |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.76% (stronger) | 1.56% |
| Loans ÷ deposits | 71.3% (stronger) | 90.5% |
| Uninsured deposits | 32.3% (stronger) | 38.3% |
| Offices | 19 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 8.6% | 20.3% |
United Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 5 and United Bank on 2. 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.