Side-by-side · Q2 2026 data
United Community Bank vs State Bank of India
Metric by metric
| Measure | United Community Bank | State Bank of India |
|---|---|---|
| TellerScore | 72 (stronger) | 41 |
| Capital cushion | 52 (stronger) | 0 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 73 (stronger) | 20 |
| Funding & liquidity | 64 (stronger) | 50 |
| Problem-loan coverage | 95 | — |
| Peer percentile | 66th | 2nd |
| Total assets | $4.1B | $4.3B |
| Deposits / shares | $3.6B | $3.3B |
| Capital ratio | 10.17% (stronger) | 0.00% |
| Problem loans | 0.31% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 0.00% |
| Loans ÷ deposits | 73.5% (stronger) | 124.3% |
| Uninsured deposits | 35.0% | 2.1% (stronger) |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
United Community Bank has the higher TellerScore (72 vs 41). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 4 and State Bank of India on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.