Side-by-side · Q2 2026 data
Granite Bank vs United Community Bank
Metric by metric
| Measure | Granite Bank | United Community Bank |
|---|---|---|
| TellerScore | 53 (stronger) | 49 |
| Capital cushion | 35 | 55 (stronger) |
| Loan quality | 54 (stronger) | 2 |
| Earnings | 75 (stronger) | 55 |
| Funding & liquidity | 46 | 96 (stronger) |
| Problem-loan coverage | 74 (stronger) | 61 |
| Peer percentile | 9th | 6th |
| Total assets | $353.2M | $359.3M |
| Deposits / shares | $289.3M | $326.7M |
| Capital ratio | 8.53% | 10.49% (stronger) |
| Problem loans | 1.38% (stronger) | 2.95% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.37% (stronger) | 0.88% |
| Loans ÷ deposits | 107.7% | 64.6% (stronger) |
| Uninsured deposits | 21.1% | 13.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Granite Bank has the higher TellerScore (53 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Granite Bank leads on 3 and United Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.