Side-by-side · Q2 2026 data
State Bank & Trust Company vs United Community Bank
Metric by metric
| Measure | State Bank & Trust Company | United Community Bank |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 56 | 95 (stronger) |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 80 | 88 (stronger) |
| Funding & liquidity | 73 (stronger) | 59 |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 57th | 84th |
| Total assets | $165.1M | $665.5M |
| Deposits / shares | $145.3M | $560.0M |
| Capital ratio | 10.63% | 14.47% (stronger) |
| Problem loans | 0.46% (stronger) | 0.73% |
| Net charge-offs | -0.05% (stronger) | 0.17% |
| Return on assets | 1.50% | 1.70% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 89.4% |
| Uninsured deposits | 22.4% (stronger) | 25.3% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
United Community Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust Company leads on 4 and United Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Golden Meadow, LA
- Larose, LA