Side-by-side · Q2 2026 data
United Community Bank vs First State Bank
Metric by metric
| Measure | United Community Bank | First State Bank |
|---|---|---|
| TellerScore | 51 | 81 (stronger) |
| Capital cushion | 35 | 74 (stronger) |
| Loan quality | 50 | 96 (stronger) |
| Earnings | 65 | 75 (stronger) |
| Funding & liquidity | 46 | 65 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 8th | 80th |
| Total assets | $290.0M | $674.3M |
| Deposits / shares | $232.7M | $572.2M |
| Capital ratio | 8.45% | 12.40% (stronger) |
| Problem loans | 1.51% | 0.12% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.12% | 1.38% (stronger) |
| Loans ÷ deposits | 89.6% | 86.5% (stronger) |
| Uninsured deposits | 37.4% | 22.4% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 51). On the 6 directional measures above (where higher or lower is clearly better), United Community Bank leads on 0 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.