Side-by-side · Q2 2026 data
Pocahontas State Bank vs United Bank of Iowa
Metric by metric
| Measure | Pocahontas State Bank | United Bank of Iowa |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 36 | 91 (stronger) |
| Earnings | 40 | 72 (stronger) |
| Funding & liquidity | 98 (stronger) | 72 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 47th | 70th |
| Total assets | $122.6M | $2.5B |
| Deposits / shares | $83.1M | $2.0B |
| Capital ratio | 26.35% (stronger) | 10.34% |
| Problem loans | 1.93% | 0.26% (stronger) |
| Net charge-offs | 0.17% | -0.01% (stronger) |
| Return on assets | 0.50% | 1.29% (stronger) |
| Loans ÷ deposits | 52.7% (stronger) | 84.4% |
| Uninsured deposits | 17.0% (stronger) | 18.2% |
| Offices | 2 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
United Bank of Iowa has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pocahontas State Bank leads on 3 and United Bank of Iowa on 4. 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.
Where both have branches
- Pocahontas, IA