Side-by-side · Q2 2026 data
United Bank vs TowneBank
Metric by metric
| Measure | United Bank | TowneBank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 44 (stronger) | 43 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 87th | 87th |
| Total assets | $33.6B | $22.6B |
| Deposits / shares | $27.3B | $18.8B |
| Capital ratio | 11.60% (stronger) | 10.00% |
| Problem loans | 0.44% | 0.22% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.10% |
| Return on assets | 1.56% | 2.17% (stronger) |
| Loans ÷ deposits | 90.5% | 81.2% (stronger) |
| Uninsured deposits | 38.3% (stronger) | 48.0% |
| Offices | 232 | 77 |
| CFPB complaints (3 yrs) | 97 | 39 |
| Complaints per $1B deposits | 3.5 | 2.1 (stronger) |
| Mortgage denial rate (HMDA) | 20.3% | 6.6% |
Both have the same TellerScore. On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 3 and TowneBank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.