Side-by-side · Q2 2026 data
United Community Bank vs Old Plank Trail Community Bank, National Association
Bank
Old Plank Trail Community Bank, National Association
New Lenox, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | United Community Bank | Old Plank Trail Community Bank, National Association |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 52 (stronger) | 38 |
| Loan quality | 90 | 91 (stronger) |
| Earnings | 73 (stronger) | 68 |
| Funding & liquidity | 64 | 67 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 66th | 44th |
| Total assets | $4.1B | $3.5B |
| Deposits / shares | $3.6B | $3.1B |
| Capital ratio | 10.17% (stronger) | 8.82% |
| Problem loans | 0.31% | 0.28% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 1.32% (stronger) | 1.19% |
| Loans ÷ deposits | 73.5% (stronger) | 79.8% |
| Uninsured deposits | 35.0% | 26.7% (stronger) |
| Offices | 42 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 6.8% |
United Community Bank has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and Old Plank Trail Community Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.