Side-by-side · Q2 2026 data
United Community Bank vs Community First Bank
Metric by metric
| Measure | United Community Bank | Community First Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 95 (stronger) | 47 |
| Loan quality | 76 | 82 (stronger) |
| Earnings | 88 | 94 (stronger) |
| Funding & liquidity | 59 | 62 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 84th | 50th |
| Total assets | $665.5M | $781.6M |
| Deposits / shares | $560.0M | $706.8M |
| Capital ratio | 14.47% (stronger) | 9.74% |
| Problem loans | 0.73% | 0.54% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.28% |
| Return on assets | 1.70% | 1.85% (stronger) |
| Loans ÷ deposits | 89.4% | 75.2% (stronger) |
| Uninsured deposits | 25.3% (stronger) | 35.7% |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 1.8% |
United Community Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 4 and Community First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.