Side-by-side · Q2 2026 data
United Bank and Trust Company vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | United Bank and Trust Company | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 97 (stronger) | 75 |
| Capital cushion | 98 (stronger) | 35 |
| Loan quality | 100 | 100 |
| Earnings | 94 | 98 (stronger) |
| Funding & liquidity | 93 (stronger) | 64 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 61st |
| Total assets | $228.4M | $649.3M |
| Deposits / shares | $199.7M | $585.0M |
| Capital ratio | 14.83% (stronger) | 8.53% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.84% | 1.94% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 83.5% |
| Uninsured deposits | 20.6% (stronger) | 26.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Bank and Trust Company leads on 6 and Clear Lake Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.