Side-by-side · Q2 2026 data
Security State Bank vs United Bank & Trust Co.
Metric by metric
| Measure | Security State Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 44 | 63 (stronger) |
| Capital cushion | 33 | 55 (stronger) |
| Loan quality | 4 | 48 (stronger) |
| Earnings | 63 | 70 (stronger) |
| Funding & liquidity | 93 (stronger) | 83 |
| Problem-loan coverage | 70 | 83 (stronger) |
| Peer percentile | 4th | 24th |
| Total assets | $119.0M | $120.1M |
| Deposits / shares | $109.0M | $106.7M |
| Capital ratio | 8.27% | 10.46% (stronger) |
| Problem loans | 2.88% | 1.57% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.07% | 1.24% (stronger) |
| Loans ÷ deposits | 49.4% (stronger) | 63.7% |
| Uninsured deposits | 21.6% (stronger) | 27.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank & Trust Co. has the higher TellerScore (63 vs 44). On the 6 directional measures above (where higher or lower is clearly better), Security State Bank leads on 2 and United Bank & Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.