Side-by-side · Q2 2026 data
UBank vs R Bank
Metric by metric
| Measure | UBank | R Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 50 |
| Capital cushion | 55 (stronger) | 40 |
| Loan quality | 85 (stronger) | 48 |
| Earnings | 77 (stronger) | 49 |
| Funding & liquidity | 49 | 60 (stronger) |
| Problem-loan coverage | 89 (stronger) | 75 |
| Peer percentile | 53rd | 7th |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $945.7M | $926.1M |
| Capital ratio | 10.46% (stronger) | 9.01% |
| Problem loans | 0.46% (stronger) | 1.55% |
| Net charge-offs | 0.07% | 0.04% (stronger) |
| Return on assets | 1.42% (stronger) | 0.72% |
| Loans ÷ deposits | 89.5% | 82.3% (stronger) |
| Uninsured deposits | 34.8% | 30.6% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 20.0% |
UBank has the higher TellerScore (69 vs 50). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 4 and R Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.