Side-by-side · Q2 2026 data
United Bank vs Bank of Monticello
Metric by metric
| Measure | United Bank | Bank of Monticello |
|---|---|---|
| TellerScore | 89 (stronger) | 83 |
| Capital cushion | 78 | 95 (stronger) |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 100 | 100 |
| Funding & liquidity | 87 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 99th | 84th |
| Total assets | $2.2B | $158.0M |
| Deposits / shares | $1.9B | $135.6M |
| Capital ratio | 12.75% | 14.52% (stronger) |
| Problem loans | 0.23% (stronger) | 1.06% |
| Net charge-offs | -0.00% | -0.19% (stronger) |
| Return on assets | 2.50% | 3.21% (stronger) |
| Loans ÷ deposits | 49.3% (stronger) | 83.3% |
| Uninsured deposits | 27.0% | 26.6% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 3 and Bank of Monticello on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.