Side-by-side · Q2 2026 data
State Savings Bank vs United Community Bank
Metric by metric
| Measure | State Savings Bank | United Community Bank |
|---|---|---|
| TellerScore | 58 (stronger) | 51 |
| Capital cushion | 37 (stronger) | 35 |
| Loan quality | 66 (stronger) | 50 |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 51 (stronger) | 46 |
| Problem-loan coverage | 84 (stronger) | 79 |
| Peer percentile | 16th | 8th |
| Total assets | $291.9M | $290.0M |
| Deposits / shares | $222.1M | $232.7M |
| Capital ratio | 8.67% (stronger) | 8.45% |
| Problem loans | 1.02% (stronger) | 1.51% |
| Net charge-offs | 0.52% | 0.00% (stronger) |
| Return on assets | 1.26% (stronger) | 1.12% |
| Loans ÷ deposits | 104.4% | 89.6% (stronger) |
| Uninsured deposits | 19.0% (stronger) | 37.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
State Savings Bank has the higher TellerScore (58 vs 51). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 5 and United Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.