Side-by-side · Q2 2026 data
United Community Bank vs Pine Country Bank
Metric by metric
| Measure | United Community Bank | Pine Country Bank |
|---|---|---|
| TellerScore | 49 | 78 (stronger) |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 2 | 98 (stronger) |
| Earnings | 55 | 76 (stronger) |
| Funding & liquidity | 96 (stronger) | 85 |
| Problem-loan coverage | 61 | 99 (stronger) |
| Peer percentile | 6th | 72nd |
| Total assets | $359.3M | $380.3M |
| Deposits / shares | $326.7M | $335.1M |
| Capital ratio | 10.49% (stronger) | 10.24% |
| Problem loans | 2.95% | 0.06% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.88% | 1.40% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 72.3% |
| Uninsured deposits | 13.9% (stronger) | 17.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Pine Country Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.