Side-by-side · Q2 2026 data
United Community Bank vs Homeland Federal Savings Bank
Metric by metric
| Measure | United Community Bank | Homeland Federal Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 59 |
| Capital cushion | 95 (stronger) | 42 |
| Loan quality | 76 (stronger) | 67 |
| Earnings | 88 (stronger) | 78 |
| Funding & liquidity | 59 (stronger) | 46 |
| Problem-loan coverage | 88 (stronger) | 69 |
| Peer percentile | 84th | 17th |
| Total assets | $665.5M | $657.8M |
| Deposits / shares | $560.0M | $572.5M |
| Capital ratio | 14.47% (stronger) | 9.21% |
| Problem loans | 0.73% (stronger) | 0.99% |
| Net charge-offs | 0.17% | -0.00% (stronger) |
| Return on assets | 1.70% (stronger) | 1.44% |
| Loans ÷ deposits | 89.4% (stronger) | 97.0% |
| Uninsured deposits | 25.3% (stronger) | 30.8% |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
United Community Bank has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 6 and Homeland Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.