Side-by-side · Q2 2026 data
TPNB Bank vs United State Bank
Metric by metric
| Measure | TPNB Bank | United State Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 57 | 91 (stronger) |
| Funding & liquidity | 87 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 94th | 77th |
| Total assets | $112.0M | $290.1M |
| Deposits / shares | $94.1M | $258.4M |
| Capital ratio | 15.15% (stronger) | 10.50% |
| Problem loans | 0.00% (stronger) | 0.07% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.92% | 1.77% (stronger) |
| Loans ÷ deposits | 69.7% (stronger) | 86.0% |
| Uninsured deposits | 18.4% | 10.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
TPNB Bank has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), TPNB Bank leads on 5 and United State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Shelbina, MO