Side-by-side · Q2 2026 data
Plumas Bank vs United Business Bank
Metric by metric
| Measure | Plumas Bank | United Business Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 60 |
| Capital cushion | 68 (stronger) | 67 |
| Loan quality | 48 | 84 (stronger) |
| Earnings | 92 (stronger) | 25 |
| Funding & liquidity | 50 (stronger) | 31 |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 44th | 21st |
| Total assets | $2.3B | $2.6B |
| Deposits / shares | $1.9B | $2.2B |
| Capital ratio | 11.77% (stronger) | 11.66% |
| Problem loans | 1.55% | 0.47% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.28% |
| Return on assets | 1.80% (stronger) | 0.12% |
| Loans ÷ deposits | 79.1% (stronger) | 94.4% |
| Uninsured deposits | 42.9% (stronger) | 46.5% |
| Offices | 18 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Plumas Bank has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Plumas Bank leads on 6 and United Business Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.