Side-by-side · Q2 2026 data
United Community Bank vs Heritage Bank National Association
Metric by metric
| Measure | United Community Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 49 (stronger) | 34 |
| Capital cushion | 55 | 58 (stronger) |
| Loan quality | 2 (stronger) | 0 |
| Earnings | 55 (stronger) | 19 |
| Funding & liquidity | 96 (stronger) | 55 |
| Problem-loan coverage | 61 (stronger) | 46 |
| Peer percentile | 6th | 1st |
| Total assets | $359.3M | $361.1M |
| Deposits / shares | $326.7M | $286.3M |
| Capital ratio | 10.49% | 10.81% (stronger) |
| Problem loans | 2.95% (stronger) | 3.84% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.88% (stronger) | -0.02% |
| Loans ÷ deposits | 64.6% (stronger) | 105.7% |
| Uninsured deposits | 13.9% | 12.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
United Community Bank has the higher TellerScore (49 vs 34). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and Heritage Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.