Side-by-side · Q2 2026 data
Pinnacle Bank vs United Bank & Trust Co.
Metric by metric
| Measure | Pinnacle Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 97 (stronger) | 55 |
| Loan quality | 75 (stronger) | 48 |
| Earnings | 89 (stronger) | 70 |
| Funding & liquidity | 57 | 83 (stronger) |
| Problem-loan coverage | 79 | 83 (stronger) |
| Peer percentile | 82nd | 24th |
| Total assets | $324.4M | $120.1M |
| Deposits / shares | $268.2M | $106.7M |
| Capital ratio | 14.66% (stronger) | 10.46% |
| Problem loans | 0.75% (stronger) | 1.57% |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.72% (stronger) | 1.24% |
| Loans ÷ deposits | 77.5% | 63.7% (stronger) |
| Uninsured deposits | 38.1% | 27.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pinnacle Bank has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 4 and United Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.