Side-by-side · Q2 2026 data
United Community Bank vs Community Bank and Trust Company
Metric by metric
| Measure | United Community Bank | Community Bank and Trust Company |
|---|---|---|
| TellerScore | 51 | 73 (stronger) |
| Capital cushion | 35 (stronger) | 33 |
| Loan quality | 50 | 97 (stronger) |
| Earnings | 65 | 85 (stronger) |
| Funding & liquidity | 46 | 80 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 8th | 53rd |
| Total assets | $290.0M | $303.5M |
| Deposits / shares | $232.7M | $280.3M |
| Capital ratio | 8.45% (stronger) | 8.28% |
| Problem loans | 1.51% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.12% | 1.62% (stronger) |
| Loans ÷ deposits | 89.6% | 68.8% (stronger) |
| Uninsured deposits | 37.4% | 25.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank and Trust Company has the higher TellerScore (73 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Community Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.