Side-by-side · Q2 2026 data
United Community Bank vs Farmers Savings Bank
Metric by metric
| Measure | United Community Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 51 | 59 (stronger) |
| Capital cushion | 35 | 60 (stronger) |
| Loan quality | 50 (stronger) | 38 |
| Earnings | 65 (stronger) | 54 |
| Funding & liquidity | 46 | 88 (stronger) |
| Problem-loan coverage | 79 (stronger) | 78 |
| Peer percentile | 8th | 17th |
| Total assets | $290.0M | $299.1M |
| Deposits / shares | $232.7M | $260.2M |
| Capital ratio | 8.45% | 10.99% (stronger) |
| Problem loans | 1.51% (stronger) | 1.87% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.12% (stronger) | 0.85% |
| Loans ÷ deposits | 89.6% | 69.2% (stronger) |
| Uninsured deposits | 37.4% | 17.8% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Savings Bank has the higher TellerScore (59 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Farmers Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.