Side-by-side · Q2 2026 data
United Bank vs SouthPoint Bank
Metric by metric
| Measure | United Bank | SouthPoint Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 21 |
| Capital cushion | 100 (stronger) | 19 |
| Loan quality | 55 (stronger) | 0 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 47 | 77 (stronger) |
| Problem-loan coverage | 88 (stronger) | 35 |
| Peer percentile | 74th | 0th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 15.79% (stronger) | 6.86% |
| Problem loans | 1.35% (stronger) | 3.54% |
| Net charge-offs | 0.03% (stronger) | 4.19% |
| Return on assets | 1.31% (stronger) | -1.71% |
| Loans ÷ deposits | 75.9% (stronger) | 83.0% |
| Uninsured deposits | 48.4% | 13.3% (stronger) |
| Offices | 19 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
United Bank has the higher TellerScore (74 vs 21). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 6 and SouthPoint Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.