Side-by-side · Q2 2026 data
United Bank vs Georgia Banking Company
Metric by metric
| Measure | United Bank | Georgia Banking Company |
|---|---|---|
| TellerScore | 89 (stronger) | 64 |
| Capital cushion | 78 (stronger) | 58 |
| Loan quality | 92 (stronger) | 78 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 87 (stronger) | 39 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 99th | 33rd |
| Total assets | $2.2B | $3.3B |
| Deposits / shares | $1.9B | $2.9B |
| Capital ratio | 12.75% (stronger) | 10.78% |
| Problem loans | 0.23% (stronger) | 0.67% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 2.50% (stronger) | 1.05% |
| Loans ÷ deposits | 49.3% (stronger) | 89.0% |
| Uninsured deposits | 27.0% (stronger) | 44.1% |
| Offices | 17 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 4.9% |
United Bank has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 7 and Georgia Banking Company on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.