Side-by-side · Q2 2026 data
United Community Bank vs St. Charles Bank & Trust Company, National Association
Bank
St. Charles Bank & Trust Company, National Association
Saint Charles, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | United Community Bank | St. Charles Bank & Trust Company, National Association |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 52 (stronger) | 46 |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 64 (stronger) | 55 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 66th | 40th |
| Total assets | $4.1B | $3.7B |
| Deposits / shares | $3.6B | $3.1B |
| Capital ratio | 10.17% (stronger) | 9.64% |
| Problem loans | 0.31% (stronger) | 0.70% |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 1.32% | 1.44% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 87.4% |
| Uninsured deposits | 35.0% | 31.2% (stronger) |
| Offices | 42 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 4.3% |
United Community Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and St. Charles Bank & Trust Company, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.