Side-by-side · Q2 2026 data
United Bank & Trust vs The Union State Bank of Everest
Metric by metric
| Measure | United Bank & Trust | The Union State Bank of Everest |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 81 | 85 (stronger) |
| Funding & liquidity | 58 | 75 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 75th | 37th |
| Total assets | $892.9M | $427.3M |
| Deposits / shares | $714.1M | $382.0M |
| Capital ratio | 11.51% (stronger) | 9.99% |
| Problem loans | 0.00% (stronger) | 1.06% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.53% | 1.62% (stronger) |
| Loans ÷ deposits | 92.9% | 80.8% (stronger) |
| Uninsured deposits | 23.5% | 19.1% (stronger) |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 6.0% |
United Bank & Trust has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 4 and The Union State Bank of Everest on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.