Side-by-side · Q2 2026 data
The Bank of Romney vs First United Bank & Trust
Metric by metric
| Measure | The Bank of Romney | First United Bank & Trust |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 42 | 90 (stronger) |
| Earnings | 75 (stronger) | 70 |
| Funding & liquidity | 66 (stronger) | 63 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $368.8M | $2.1B |
| Deposits / shares | $283.5M | $1.7B |
| Capital ratio | 15.97% (stronger) | 11.56% |
| Problem loans | 1.73% | 0.31% (stronger) |
| Net charge-offs | 0.23% | 0.04% (stronger) |
| Return on assets | 1.37% (stronger) | 1.25% |
| Loans ÷ deposits | 94.2% | 89.0% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 22.7% |
| Offices | 7 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First United Bank & Trust has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Romney leads on 3 and First United Bank & Trust 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.