Side-by-side · Q2 2026 data
United Bank vs Vallant Bank
Metric by metric
| Measure | United Bank | Vallant Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 78 (stronger) | 77 |
| Loan quality | 92 (stronger) | 83 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 87 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 99th | 86th |
| Total assets | $2.2B | $4.0B |
| Deposits / shares | $1.9B | $3.5B |
| Capital ratio | 12.75% (stronger) | 12.70% |
| Problem loans | 0.23% (stronger) | 0.51% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 2.50% (stronger) | 1.33% |
| Loans ÷ deposits | 49.3% (stronger) | 85.2% |
| Uninsured deposits | 27.0% | 20.6% (stronger) |
| Offices | 17 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 6 and Vallant Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.