Side-by-side · Q2 2026 data
United Bank vs Providence Bank
Metric by metric
| Measure | United Bank | Providence Bank |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 66 | 72 (stronger) |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 82 | 92 (stronger) |
| Funding & liquidity | 44 | 56 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 87th | 93rd |
| Total assets | $33.6B | $1.5B |
| Deposits / shares | $27.3B | $1.3B |
| Capital ratio | 11.60% | 12.21% (stronger) |
| Problem loans | 0.44% | 0.12% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.56% | 1.80% (stronger) |
| Loans ÷ deposits | 90.5% (stronger) | 96.6% |
| Uninsured deposits | 38.3% | 21.5% (stronger) |
| Offices | 232 | 10 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 3.5 | — |
| Mortgage denial rate (HMDA) | 20.3% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 1 and Providence Bank on 6. 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.