Side-by-side · Q2 2026 data
United Bank vs Peoples Exchange Bank
Metric by metric
| Measure | United Bank | Peoples Exchange Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 55 (stronger) | 19 |
| Earnings | 72 (stronger) | 59 |
| Funding & liquidity | 47 | 95 (stronger) |
| Problem-loan coverage | 88 (stronger) | 74 |
| Peer percentile | 74th | 24th |
| Total assets | $1.5B | $98.6M |
| Deposits / shares | $1.2B | $86.6M |
| Capital ratio | 15.79% (stronger) | 13.46% |
| Problem loans | 1.35% (stronger) | 2.44% |
| Net charge-offs | 0.03% (stronger) | 0.23% |
| Return on assets | 1.31% (stronger) | 0.99% |
| Loans ÷ deposits | 75.9% | 60.5% (stronger) |
| Uninsured deposits | 48.4% | 19.1% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
United Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and Peoples Exchange Bank on 2. 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.
Where both have branches
- Monroeville, AL