Side-by-side · Q2 2026 data
Unified Bank vs The Old Fort Banking Company
Metric by metric
| Measure | Unified Bank | The Old Fort Banking Company |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 40 (stronger) | 39 |
| Loan quality | 57 | 93 (stronger) |
| Earnings | 75 | 78 (stronger) |
| Funding & liquidity | 89 (stronger) | 78 |
| Problem-loan coverage | 78 | 97 (stronger) |
| Peer percentile | 22nd | 50th |
| Total assets | $871.7M | $843.9M |
| Deposits / shares | $702.1M | $781.8M |
| Capital ratio | 8.99% (stronger) | 8.89% |
| Problem loans | 1.29% | 0.20% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.38% | 1.44% (stronger) |
| Loans ÷ deposits | 70.1% | 61.3% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 33.6% |
| Offices | 19 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 9.8% |
The Old Fort Banking Company has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Unified Bank leads on 2 and The Old Fort Banking Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.