Side-by-side · Q2 2026 data
United Community Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | United Community Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 52 | 74 (stronger) |
| Loan quality | 90 (stronger) | 83 |
| Earnings | 73 | 83 (stronger) |
| Funding & liquidity | 64 | 75 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 66th | 77th |
| Total assets | $4.1B | $840.1M |
| Deposits / shares | $3.6B | $730.2M |
| Capital ratio | 10.17% | 12.39% (stronger) |
| Problem loans | 0.31% (stronger) | 0.52% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.32% | 1.58% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 74.9% |
| Uninsured deposits | 35.0% | 24.3% (stronger) |
| Offices | 42 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Prairie State Bank and Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.