Side-by-side · Q2 2026 data
United Community Bank vs North Star Bank
Metric by metric
| Measure | United Community Bank | North Star Bank |
|---|---|---|
| TellerScore | 49 | 71 (stronger) |
| Capital cushion | 55 | 60 (stronger) |
| Loan quality | 2 | 69 (stronger) |
| Earnings | 55 | 74 (stronger) |
| Funding & liquidity | 96 (stronger) | 81 |
| Problem-loan coverage | 61 | 88 (stronger) |
| Peer percentile | 6th | 47th |
| Total assets | $359.3M | $378.7M |
| Deposits / shares | $326.7M | $340.8M |
| Capital ratio | 10.49% | 11.00% (stronger) |
| Problem loans | 2.95% | 0.94% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.86% |
| Return on assets | 0.88% | 1.35% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 71.3% |
| Uninsured deposits | 13.9% (stronger) | 21.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Star Bank has the higher TellerScore (71 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and North Star Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.