Side-by-side · Q2 2026 data
United Bank vs The First National Bank and Trust
Metric by metric
| Measure | United Bank | The First National Bank and Trust |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 55 | 97 (stronger) |
| Earnings | 72 (stronger) | 40 |
| Funding & liquidity | 47 | 84 (stronger) |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 74th | 57th |
| Total assets | $1.5B | $238.6M |
| Deposits / shares | $1.2B | $218.9M |
| Capital ratio | 15.79% (stronger) | 11.54% |
| Problem loans | 1.35% | 0.10% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 0.50% |
| Loans ÷ deposits | 75.9% | 67.8% (stronger) |
| Uninsured deposits | 48.4% | 22.8% (stronger) |
| Offices | 19 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Bank leads on 2 and The First National Bank and Trust on 4. 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
- Atmore, AL