Side-by-side · Q2 2026 data
First United Bank & Trust vs Highlands Bank
Metric by metric
| Measure | First United Bank & Trust | Highlands Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 66 (stronger) | 60 |
| Loan quality | 90 (stronger) | 70 |
| Earnings | 70 | 71 (stronger) |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 77th | 40th |
| Total assets | $2.1B | $407.1M |
| Deposits / shares | $1.7B | $356.8M |
| Capital ratio | 11.56% (stronger) | 11.00% |
| Problem loans | 0.31% (stronger) | 0.91% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.25% | 1.27% (stronger) |
| Loans ÷ deposits | 89.0% | 85.8% (stronger) |
| Uninsured deposits | 22.7% | 18.3% (stronger) |
| Offices | 22 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
First United Bank & Trust has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 3 and Highlands Bank 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.
Where both have branches
- Keyser, WV