Side-by-side · Q2 2026 data
United Bank vs Metro City Bank
Metric by metric
| Measure | United Bank | Metro City Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 78 (stronger) | 61 |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 87 (stronger) | 30 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 99th | 70th |
| Total assets | $2.2B | $4.5B |
| Deposits / shares | $1.9B | $3.5B |
| Capital ratio | 12.75% (stronger) | 11.08% |
| Problem loans | 0.23% (stronger) | 0.44% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 2.50% (stronger) | 1.94% |
| Loans ÷ deposits | 49.3% (stronger) | 111.5% |
| Uninsured deposits | 27.0% (stronger) | 32.8% |
| Offices | 17 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 3.0% |
United Bank has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 7 and Metro City Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.