Side-by-side · Q2 2026 data
United Community Bank vs American National Bank of Minnesota
Metric by metric
| Measure | United Community Bank | American National Bank of Minnesota |
|---|---|---|
| TellerScore | 49 | 65 (stronger) |
| Capital cushion | 55 | 58 (stronger) |
| Loan quality | 2 | 67 (stronger) |
| Earnings | 55 | 74 (stronger) |
| Funding & liquidity | 96 (stronger) | 51 |
| Problem-loan coverage | 61 | 85 (stronger) |
| Peer percentile | 6th | 29th |
| Total assets | $359.3M | $473.2M |
| Deposits / shares | $326.7M | $347.6M |
| Capital ratio | 10.49% | 10.85% (stronger) |
| Problem loans | 2.95% | 1.00% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.88% | 1.35% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 109.7% |
| Uninsured deposits | 13.9% | 13.1% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
American National Bank of Minnesota has the higher TellerScore (65 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 1 and American National Bank of Minnesota on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.