Side-by-side · Q2 2026 data
First National Bank Of Commerce vs United Bank
Metric by metric
| Measure | First National Bank Of Commerce | United Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 56 | 57 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 81 (stronger) | 68 |
| Funding & liquidity | 91 (stronger) | 60 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 77th | 57th |
| Total assets | $296.6M | $296.0M |
| Deposits / shares | $268.8M | $260.3M |
| Capital ratio | 10.65% | 10.66% (stronger) |
| Problem loans | 0.17% | 0.10% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.52% (stronger) | 1.20% |
| Loans ÷ deposits | 58.2% (stronger) | 93.6% |
| Uninsured deposits | 23.3% | 21.5% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | 17.9% |
First National Bank Of Commerce has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Of Commerce leads on 3 and United Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.