Side-by-side · Q2 2026 data
United Community Bank vs Home Federal Bank
Metric by metric
| Measure | United Community Bank | Home Federal Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 95 (stronger) | 43 |
| Loan quality | 76 | 79 (stronger) |
| Earnings | 88 (stronger) | 63 |
| Funding & liquidity | 59 | 72 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 84th | 29th |
| Total assets | $665.5M | $644.0M |
| Deposits / shares | $560.0M | $579.1M |
| Capital ratio | 14.47% (stronger) | 9.29% |
| Problem loans | 0.73% | 0.63% (stronger) |
| Net charge-offs | 0.17% | -0.02% (stronger) |
| Return on assets | 1.70% (stronger) | 1.07% |
| Loans ÷ deposits | 89.4% | 82.4% (stronger) |
| Uninsured deposits | 25.3% | 20.5% (stronger) |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 3.9% |
United Community Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Home Federal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.