Side-by-side · Q2 2026 data
United Bank of Iowa vs Central Bank
Metric by metric
| Measure | United Bank of Iowa | Central Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 65 |
| Capital cushion | 53 (stronger) | 51 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 72 (stronger) | 58 |
| Funding & liquidity | 72 (stronger) | 43 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 70th | 36th |
| Total assets | $2.5B | $2.3B |
| Deposits / shares | $2.0B | $1.9B |
| Capital ratio | 10.34% (stronger) | 10.09% |
| Problem loans | 0.26% (stronger) | 0.32% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.29% (stronger) | 0.96% |
| Loans ÷ deposits | 84.4% (stronger) | 105.6% |
| Uninsured deposits | 18.2% (stronger) | 25.5% |
| Offices | 36 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 5.5% |
United Bank of Iowa has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 7 and Central Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Storm Lake, IA