Side-by-side · Q2 2026 data
The First National Bank of Manchester vs United Citizens Bank & Trust Company
Metric by metric
| Measure | The First National Bank of Manchester | United Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 55 | 56 (stronger) |
| Capital cushion | 49 | 50 (stronger) |
| Loan quality | 46 (stronger) | 41 |
| Earnings | 60 | 62 (stronger) |
| Funding & liquidity | 61 | 71 (stronger) |
| Problem-loan coverage | 79 (stronger) | 72 |
| Peer percentile | 11th | 13th |
| Total assets | $230.1M | $219.3M |
| Deposits / shares | $206.4M | $197.5M |
| Capital ratio | 9.86% | 10.02% (stronger) |
| Problem loans | 1.62% (stronger) | 1.78% |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 0.99% | 1.05% (stronger) |
| Loans ÷ deposits | 75.2% (stronger) | 89.1% |
| Uninsured deposits | 36.7% | 12.6% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
United Citizens Bank & Trust Company has the higher TellerScore (56 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Manchester leads on 2 and United Citizens Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.