Side-by-side · Q2 2026 data
The Home Trust & Savings Bank vs United Community Bank
Metric by metric
| Measure | The Home Trust & Savings Bank | United Community Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 51 |
| Capital cushion | 58 (stronger) | 35 |
| Loan quality | 73 (stronger) | 50 |
| Earnings | 73 (stronger) | 65 |
| Funding & liquidity | 68 (stronger) | 46 |
| Problem-loan coverage | 87 (stronger) | 79 |
| Peer percentile | 40th | 8th |
| Total assets | $287.7M | $290.0M |
| Deposits / shares | $252.9M | $232.7M |
| Capital ratio | 10.83% (stronger) | 8.45% |
| Problem loans | 0.80% (stronger) | 1.51% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.33% (stronger) | 1.12% |
| Loans ÷ deposits | 82.8% (stronger) | 89.6% |
| Uninsured deposits | 22.9% (stronger) | 37.4% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Home Trust & Savings Bank has the higher TellerScore (69 vs 51). On the 7 directional measures above (where higher or lower is clearly better), The Home Trust & Savings Bank leads on 6 and United Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.