Side-by-side · Q2 2026 data
United Bank vs Legacy State Bank
Metric by metric
| Measure | United Bank | Legacy State Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 75 |
| Capital cushion | 78 (stronger) | 71 |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 87 (stronger) | 45 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 99th | 61st |
| Total assets | $2.2B | $205.9M |
| Deposits / shares | $1.9B | $180.3M |
| Capital ratio | 12.75% (stronger) | 12.05% |
| Problem loans | 0.23% | 0.05% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.50% (stronger) | 1.11% |
| Loans ÷ deposits | 49.3% (stronger) | 85.2% |
| Uninsured deposits | 27.0% (stronger) | 42.7% |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 6 and Legacy State Bank on 1. 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.