Side-by-side · Q2 2026 data
United Community Bank vs First National Bank USA
Metric by metric
| Measure | United Community Bank | First National Bank USA |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 95 (stronger) | 91 |
| Loan quality | 76 | 99 (stronger) |
| Earnings | 88 (stronger) | 86 |
| Funding & liquidity | 59 | 62 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 84th | 94th |
| Total assets | $665.5M | $249.1M |
| Deposits / shares | $560.0M | $213.1M |
| Capital ratio | 14.47% (stronger) | 14.06% |
| Problem loans | 0.73% | 0.03% (stronger) |
| Net charge-offs | 0.17% | 0.02% (stronger) |
| Return on assets | 1.70% (stronger) | 1.65% |
| Loans ÷ deposits | 89.4% | 52.6% (stronger) |
| Uninsured deposits | 25.3% (stronger) | 49.9% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 14.3% |
First National Bank USA has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and First National Bank USA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- La Place, LA