Side-by-side · Q2 2026 data
First National Bank in Frankfort vs United Bank & Trust
Metric by metric
| Measure | First National Bank in Frankfort | United Bank & Trust |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 58 | 65 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 49 | 81 (stronger) |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 45th | 75th |
| Total assets | $61.6M | $892.9M |
| Deposits / shares | $55.4M | $714.1M |
| Capital ratio | 10.76% | 11.51% (stronger) |
| Problem loans | 0.52% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | -0.00% |
| Return on assets | 0.74% | 1.53% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 92.9% |
| Uninsured deposits | 11.5% (stronger) | 23.5% |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Frankfort leads on 3 and United Bank & Trust on 4. 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.