Side-by-side · Q2 2026 data
M C Bank & Trust Company vs United Community Bank
Metric by metric
| Measure | M C Bank & Trust Company | United Community Bank |
|---|---|---|
| TellerScore | 47 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 0 | 88 (stronger) |
| Funding & liquidity | 56 | 59 (stronger) |
| Problem-loan coverage | 82 | 88 (stronger) |
| Peer percentile | 5th | 84th |
| Total assets | $710.0M | $665.5M |
| Deposits / shares | $480.6M | $560.0M |
| Capital ratio | 42.96% (stronger) | 14.47% |
| Problem loans | 5.84% | 0.73% (stronger) |
| Net charge-offs | 0.76% | 0.17% (stronger) |
| Return on assets | -2.56% | 1.70% (stronger) |
| Loans ÷ deposits | 71.1% (stronger) | 89.4% |
| Uninsured deposits | 44.6% | 25.3% (stronger) |
| Offices | 15 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.3% | 4.5% |
United Community Bank has the higher TellerScore (83 vs 47). On the 7 directional measures above (where higher or lower is clearly better), M C Bank & Trust Company leads on 2 and United Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.