Side-by-side · Q2 2026 data
United Bank vs The Commercial Bank
Metric by metric
| Measure | United Bank | The Commercial Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 78 (stronger) | 57 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 87 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 99th | 75th |
| Total assets | $2.2B | $463.7M |
| Deposits / shares | $1.9B | $419.2M |
| Capital ratio | 12.75% (stronger) | 10.72% |
| Problem loans | 0.23% | 0.17% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.50% | 3.14% (stronger) |
| Loans ÷ deposits | 49.3% (stronger) | 81.7% |
| Uninsured deposits | 27.0% (stronger) | 30.6% |
| Offices | 17 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 3.6% |
United Bank has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and The Commercial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.