Side-by-side · Q2 2026 data
Hardin County Savings Bank vs United Bank and Trust Company
Metric by metric
| Measure | Hardin County Savings Bank | United Bank and Trust Company |
|---|---|---|
| TellerScore | 62 | 97 (stronger) |
| Capital cushion | 48 | 98 (stronger) |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 67 | 94 (stronger) |
| Funding & liquidity | 79 | 93 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 22nd | 100th |
| Total assets | $402.3M | $228.4M |
| Deposits / shares | $324.4M | $199.7M |
| Capital ratio | 9.79% | 14.83% (stronger) |
| Problem loans | 1.25% | 0.00% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.17% | 1.84% (stronger) |
| Loans ÷ deposits | 76.4% | 60.9% (stronger) |
| Uninsured deposits | 19.1% (stronger) | 20.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Hardin County Savings Bank leads on 1 and United Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.