Side-by-side · Q2 2026 data
Rabun County Bank vs United Bank
Metric by metric
| Measure | Rabun County Bank | United Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 55 | 66 (stronger) |
| Loan quality | 98 (stronger) | 85 |
| Earnings | 86 (stronger) | 82 |
| Funding & liquidity | 87 (stronger) | 44 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 80th | 87th |
| Total assets | $361.5M | $33.6B |
| Deposits / shares | $321.3M | $27.3B |
| Capital ratio | 10.49% | 11.60% (stronger) |
| Problem loans | 0.05% (stronger) | 0.44% |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 1.64% (stronger) | 1.56% |
| Loans ÷ deposits | 71.8% (stronger) | 90.5% |
| Uninsured deposits | 16.5% (stronger) | 38.3% |
| Offices | 4 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | — | 20.3% |
Rabun County Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 6 and United Bank on 1. 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.