Side-by-side · Q2 2026 data
First United Bank & Trust vs Capital Bank, National Association
Metric by metric
| Measure | First United Bank & Trust | Capital Bank, National Association |
|---|---|---|
| TellerScore | 75 (stronger) | 46 |
| Capital cushion | 66 (stronger) | 40 |
| Loan quality | 90 (stronger) | 32 |
| Earnings | 70 | 70 |
| Funding & liquidity | 63 (stronger) | 38 |
| Problem-loan coverage | 96 (stronger) | 67 |
| Peer percentile | 77th | 5th |
| Total assets | $2.1B | $3.8B |
| Deposits / shares | $1.7B | $3.4B |
| Capital ratio | 11.56% (stronger) | 8.97% |
| Problem loans | 0.31% (stronger) | 2.05% |
| Net charge-offs | 0.04% (stronger) | 0.45% |
| Return on assets | 1.25% (stronger) | 1.24% |
| Loans ÷ deposits | 89.0% | 89.0% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 45.1% |
| Offices | 22 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
First United Bank & Trust has the higher TellerScore (75 vs 46). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 6 and Capital Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.