Side-by-side · Q2 2026 data
Lumbee Guaranty Bank vs United Bank
Metric by metric
| Measure | Lumbee Guaranty Bank | United Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 57 | 66 (stronger) |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 53 | 82 (stronger) |
| Funding & liquidity | 98 (stronger) | 44 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 57th | 87th |
| Total assets | $583.5M | $33.6B |
| Deposits / shares | $490.4M | $27.3B |
| Capital ratio | 10.71% | 11.60% (stronger) |
| Problem loans | 0.37% (stronger) | 0.44% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.83% | 1.56% (stronger) |
| Loans ÷ deposits | 49.1% (stronger) | 90.5% |
| Uninsured deposits | 17.4% (stronger) | 38.3% |
| Offices | 13 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | — | 20.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Lumbee Guaranty Bank leads on 4 and United Bank 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.