Side-by-side · Q2 2026 data
United Bank vs Peoples Bank of Alabama
Metric by metric
| Measure | United Bank | Peoples Bank of Alabama |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 55 | 81 (stronger) |
| Earnings | 72 | 97 (stronger) |
| Funding & liquidity | 47 | 54 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 74th | 80th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 15.79% (stronger) | 11.19% |
| Problem loans | 1.35% | 0.56% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 1.31% | 1.93% (stronger) |
| Loans ÷ deposits | 75.9% | 71.5% (stronger) |
| Uninsured deposits | 48.4% | 46.5% (stronger) |
| Offices | 19 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 22.4% |
Peoples Bank of Alabama has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 2 and Peoples Bank of Alabama on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.