Side-by-side · Q2 2026 data
UBank vs Lineage Bank
Metric by metric
| Measure | UBank | Lineage Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 77 (stronger) | 61 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 45 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 53rd | 34th |
| Total assets | $182.8M | $197.7M |
| Deposits / shares | $158.4M | $170.6M |
| Capital ratio | 13.14% | 15.18% (stronger) |
| Problem loans | 0.68% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.20% (stronger) | -5.11% |
| Loans ÷ deposits | 82.8% | 71.9% (stronger) |
| Uninsured deposits | 43.7% | 20.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 14.3% |
UBank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 4 and Lineage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.