Side-by-side · Q2 2026 data
United Community Bank vs The State Bank
Metric by metric
| Measure | United Community Bank | The State Bank |
|---|---|---|
| TellerScore | 51 | 83 (stronger) |
| Capital cushion | 35 | 67 (stronger) |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 65 | 67 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 79 | 90 (stronger) |
| Peer percentile | 8th | 73rd |
| Total assets | $290.0M | $88.4M |
| Deposits / shares | $232.7M | $80.3M |
| Capital ratio | 8.45% | 11.73% (stronger) |
| Problem loans | 1.51% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.12% | 1.18% (stronger) |
| Loans ÷ deposits | 89.6% | 52.1% (stronger) |
| Uninsured deposits | 37.4% | 15.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 1 and The State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.