Side-by-side · Q2 2026 data
United Bank and Trust Company vs First State Bank
Metric by metric
| Measure | United Bank and Trust Company | First State Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 81 |
| Capital cushion | 98 (stronger) | 74 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 93 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 100th | 80th |
| Total assets | $228.4M | $674.3M |
| Deposits / shares | $199.7M | $572.2M |
| Capital ratio | 14.83% (stronger) | 12.40% |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.84% (stronger) | 1.38% |
| Loans ÷ deposits | 60.9% (stronger) | 86.5% |
| Uninsured deposits | 20.6% (stronger) | 22.4% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 81). On the 6 directional measures above (where higher or lower is clearly better), United Bank and Trust Company leads on 6 and First State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.