Side-by-side · Q2 2026 data
United Community Bank vs Harvest Bank
Metric by metric
| Measure | United Community Bank | Harvest Bank |
|---|---|---|
| TellerScore | 49 | 63 (stronger) |
| Capital cushion | 55 (stronger) | 42 |
| Loan quality | 2 | 73 (stronger) |
| Earnings | 55 | 61 (stronger) |
| Funding & liquidity | 96 (stronger) | 83 |
| Problem-loan coverage | 61 | 74 (stronger) |
| Peer percentile | 6th | 24th |
| Total assets | $359.3M | $355.1M |
| Deposits / shares | $326.7M | $323.4M |
| Capital ratio | 10.49% (stronger) | 9.15% |
| Problem loans | 2.95% | 0.80% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 0.88% | 1.03% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 75.4% |
| Uninsured deposits | 13.9% (stronger) | 16.6% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Harvest Bank has the higher TellerScore (63 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 4 and Harvest Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.