Side-by-side · Q2 2026 data
Foundation One Bank vs United Republic Bank
Metric by metric
| Measure | Foundation One Bank | United Republic Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 36 |
| Capital cushion | 48 | 66 (stronger) |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 51 (stronger) | 26 |
| Funding & liquidity | 60 | 69 (stronger) |
| Problem-loan coverage | 95 (stronger) | 3 |
| Peer percentile | 29th | 1st |
| Total assets | $182.2M | $185.8M |
| Deposits / shares | $155.5M | $147.4M |
| Capital ratio | 9.83% | 11.57% (stronger) |
| Problem loans | 0.41% (stronger) | 4.89% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.78% (stronger) | 0.15% |
| Loans ÷ deposits | 83.6% (stronger) | 91.1% |
| Uninsured deposits | 29.8% | 8.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Foundation One Bank has the higher TellerScore (65 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Foundation One Bank leads on 4 and United Republic Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.