Side-by-side · Q2 2026 data
MCNB Bank and Trust Co. vs United Bank
Metric by metric
| Measure | MCNB Bank and Trust Co. | United Bank |
|---|---|---|
| TellerScore | 50 | 74 (stronger) |
| Capital cushion | 73 (stronger) | 66 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 55 | 82 (stronger) |
| Funding & liquidity | 73 (stronger) | 44 |
| Problem-loan coverage | 62 | 96 (stronger) |
| Peer percentile | 7th | 87th |
| Total assets | $356.5M | $33.6B |
| Deposits / shares | $292.2M | $27.3B |
| Capital ratio | 12.29% (stronger) | 11.60% |
| Problem loans | 3.22% | 0.44% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.87% | 1.56% (stronger) |
| Loans ÷ deposits | 86.1% (stronger) | 90.5% |
| Uninsured deposits | 15.8% (stronger) | 38.3% |
| Offices | 6 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 6.8% | 20.3% |
United Bank has the higher TellerScore (74 vs 50). On the 7 directional measures above (where higher or lower is clearly better), MCNB Bank and Trust Co. leads on 4 and United Bank on 3. 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.