Side-by-side · Q2 2026 data
United Bank of Iowa vs First National Bank, Ames, Iowa
Metric by metric
| Measure | United Bank of Iowa | First National Bank, Ames, Iowa |
|---|---|---|
| TellerScore | 73 (stronger) | 60 |
| Capital cushion | 53 (stronger) | 49 |
| Loan quality | 91 (stronger) | 53 |
| Earnings | 72 (stronger) | 69 |
| Funding & liquidity | 72 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 70th | 21st |
| Total assets | $2.5B | $1.1B |
| Deposits / shares | $2.0B | $955.6M |
| Capital ratio | 10.34% (stronger) | 9.86% |
| Problem loans | 0.26% (stronger) | 1.41% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.29% (stronger) | 1.23% |
| Loans ÷ deposits | 84.4% | 68.3% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 37.9% |
| Offices | 36 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 14.3% |
United Bank of Iowa has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 6 and First National Bank, Ames, Iowa on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.