Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs United Savings Bank
Metric by metric
| Measure | Hamlin Bank and Trust Company | United Savings Bank |
|---|---|---|
| TellerScore | 89 | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 83 | 86 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 94th | 94th |
| Total assets | $503.4M | $460.6M |
| Deposits / shares | $389.3M | $332.1M |
| Capital ratio | 19.96% (stronger) | 17.44% |
| Problem loans | 0.96% | 0.00% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 3.02% (stronger) | 0.84% |
| Loans ÷ deposits | 77.4% | 52.0% (stronger) |
| Uninsured deposits | 13.3% (stronger) | 28.0% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 3 and United Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.