Side-by-side · Q2 2026 data
United Bank and Trust Company vs Iowa State Bank
Metric by metric
| Measure | United Bank and Trust Company | Iowa State Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 61 |
| Capital cushion | 98 (stronger) | 60 |
| Loan quality | 100 (stronger) | 11 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 73 |
| Peer percentile | 100th | 20th |
| Total assets | $228.4M | $392.9M |
| Deposits / shares | $199.7M | $339.9M |
| Capital ratio | 14.83% (stronger) | 11.03% |
| Problem loans | 0.00% (stronger) | 2.66% |
| Net charge-offs | 0.00% | -1.29% (stronger) |
| Return on assets | 1.84% | 2.38% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 77.0% |
| Uninsured deposits | 20.6% | 15.7% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 61). On the 7 directional measures above (where higher or lower is clearly better), United Bank and Trust Company leads on 4 and Iowa State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.