Side-by-side · Q2 2026 data
United Bank & Trust vs Legacy Bank
Metric by metric
| Measure | United Bank & Trust | Legacy Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 65 (stronger) | 56 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 81 (stronger) | 69 |
| Funding & liquidity | 58 (stronger) | 57 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 57th |
| Total assets | $892.9M | $865.0M |
| Deposits / shares | $714.1M | $721.8M |
| Capital ratio | 11.51% (stronger) | 10.55% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.53% (stronger) | 1.22% |
| Loans ÷ deposits | 92.9% (stronger) | 93.2% |
| Uninsured deposits | 23.5% (stronger) | 24.2% |
| Offices | 12 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 4.8% |
United Bank & Trust has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 7 and Legacy Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.