Side-by-side · Q2 2026 data
United Bank & Trust vs First Commerce Bank
Metric by metric
| Measure | United Bank & Trust | First Commerce Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 65 | 68 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 81 | 90 (stronger) |
| Funding & liquidity | 58 (stronger) | 55 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 75th | 75th |
| Total assets | $892.9M | $138.5M |
| Deposits / shares | $714.1M | $120.6M |
| Capital ratio | 11.51% | 11.79% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.53% | 1.75% (stronger) |
| Loans ÷ deposits | 92.9% (stronger) | 93.1% |
| Uninsured deposits | 23.5% (stronger) | 26.4% |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 3 and First Commerce Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Marysville, KS