Side-by-side · Q2 2026 data
United Bank vs Troy Bank & Trust Company
Metric by metric
| Measure | United Bank | Troy Bank & Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 55 | 55 |
| Earnings | 72 | 75 (stronger) |
| Funding & liquidity | 47 (stronger) | 41 |
| Problem-loan coverage | 88 (stronger) | 84 |
| Peer percentile | 74th | 44th |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.2B | $1.4B |
| Capital ratio | 15.79% (stronger) | 12.83% |
| Problem loans | 1.35% | 1.35% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.20% |
| Return on assets | 1.31% | 1.37% (stronger) |
| Loans ÷ deposits | 75.9% | 74.6% (stronger) |
| Uninsured deposits | 48.4% (stronger) | 55.1% |
| Offices | 19 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
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 Troy Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.