Side-by-side · Q2 2026 data
The Farmers State Bank of Westmoreland vs United Bank & Trust
Metric by metric
| Measure | The Farmers State Bank of Westmoreland | United Bank & Trust |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 89 (stronger) | 65 |
| Loan quality | 32 | 100 (stronger) |
| Earnings | 64 | 81 (stronger) |
| Funding & liquidity | 88 (stronger) | 58 |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $257.7M | $892.9M |
| Deposits / shares | $226.2M | $714.1M |
| Capital ratio | 13.88% (stronger) | 11.51% |
| Problem loans | 2.03% | 0.00% (stronger) |
| Net charge-offs | 0.12% | -0.00% (stronger) |
| Return on assets | 1.10% | 1.53% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 92.9% |
| Uninsured deposits | 23.9% | 23.5% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank of Westmoreland leads on 2 and United Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.