Side-by-side · Q2 2026 data
FNB Bank vs United Bank of Iowa
Metric by metric
| Measure | FNB Bank | United Bank of Iowa |
|---|---|---|
| TellerScore | 91 (stronger) | 73 |
| Capital cushion | 95 (stronger) | 53 |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 49 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 96th | 70th |
| Total assets | $274.6M | $2.5B |
| Deposits / shares | $211.3M | $2.0B |
| Capital ratio | 14.48% (stronger) | 10.34% |
| Problem loans | 0.02% (stronger) | 0.26% |
| Net charge-offs | -0.01% (stronger) | -0.01% |
| Return on assets | 2.03% (stronger) | 1.29% |
| Loans ÷ deposits | 105.7% | 84.4% (stronger) |
| Uninsured deposits | 20.2% | 18.2% (stronger) |
| Offices | 5 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 21.4% |
FNB Bank has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 5 and United Bank of Iowa on 2. 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.