Side-by-side · Q2 2026 data
United Community Bank vs Synergy Bank
Metric by metric
| Measure | United Community Bank | Synergy Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 95 (stronger) | 63 |
| Loan quality | 76 (stronger) | 31 |
| Earnings | 88 (stronger) | 84 |
| Funding & liquidity | 59 | 66 (stronger) |
| Problem-loan coverage | 88 (stronger) | 80 |
| Peer percentile | 84th | 24th |
| Total assets | $665.5M | $1.3B |
| Deposits / shares | $560.0M | $1.1B |
| Capital ratio | 14.47% (stronger) | 11.26% |
| Problem loans | 0.73% (stronger) | 2.07% |
| Net charge-offs | 0.17% (stronger) | 0.19% |
| Return on assets | 1.70% (stronger) | 1.60% |
| Loans ÷ deposits | 89.4% | 78.5% (stronger) |
| Uninsured deposits | 25.3% (stronger) | 29.0% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 5.1% |
United Community Bank has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 6 and Synergy Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.