Side-by-side · Q2 2026 data
United Bank & Trust vs The Western State Bank
Metric by metric
| Measure | United Bank & Trust | The Western State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 49 |
| Capital cushion | 65 (stronger) | 57 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 81 (stronger) | 77 |
| Funding & liquidity | 58 | 66 (stronger) |
| Problem-loan coverage | 98 (stronger) | 66 |
| Peer percentile | 75th | 6th |
| Total assets | $892.9M | $802.1M |
| Deposits / shares | $714.1M | $717.2M |
| Capital ratio | 11.51% (stronger) | 10.69% |
| Problem loans | 0.00% (stronger) | 3.04% |
| Net charge-offs | -0.00% (stronger) | 1.32% |
| Return on assets | 1.53% (stronger) | 1.43% |
| Loans ÷ deposits | 92.9% | 72.4% (stronger) |
| Uninsured deposits | 23.5% (stronger) | 34.8% |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
United Bank & Trust has the higher TellerScore (79 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 6 and The Western State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.