Side-by-side · Q2 2026 data
United Community Bank vs Community Bank of the South
Metric by metric
| Measure | United Community Bank | Community Bank of the South |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 45 | 45 |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 76 (stronger) | 54 |
| Funding & liquidity | 51 (stronger) | 50 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 63rd | 34th |
| Total assets | $29.0B | $266.5M |
| Deposits / shares | $24.1B | $242.8M |
| Capital ratio | 9.52% (stronger) | 9.49% |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 0.85% |
| Loans ÷ deposits | 82.3% | 31.9% (stronger) |
| Uninsured deposits | 39.4% (stronger) | 64.8% |
| Offices | 190 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.4% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Community Bank of the South on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.