Side-by-side · Q2 2026 data
First Option Bank vs United Bank & Trust
Metric by metric
| Measure | First Option Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 32 | 65 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 77 | 81 (stronger) |
| Funding & liquidity | 60 (stronger) | 58 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 37th | 75th |
| Total assets | $817.6M | $892.9M |
| Deposits / shares | $722.1M | $714.1M |
| Capital ratio | 8.18% | 11.51% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | 0.53% | -0.00% (stronger) |
| Return on assets | 1.44% | 1.53% (stronger) |
| Loans ÷ deposits | 66.8% (stronger) | 92.9% |
| Uninsured deposits | 44.8% | 23.5% (stronger) |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Option Bank leads on 1 and United Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.