Side-by-side · Q2 2026 data
United Bank vs Citizens Bank & Trust
Metric by metric
| Measure | United Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 55 | 97 (stronger) |
| Earnings | 72 (stronger) | 44 |
| Funding & liquidity | 47 | 83 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 74th | 44th |
| Total assets | $1.5B | $1.2B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 15.79% (stronger) | 8.93% |
| Problem loans | 1.35% | 0.08% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.31% (stronger) | 0.60% |
| Loans ÷ deposits | 75.9% | 56.0% (stronger) |
| Uninsured deposits | 48.4% | 30.3% (stronger) |
| Offices | 19 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 10.7% |
United Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 4 and Citizens Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.