Side-by-side · Q2 2026 data
United Community Bank vs Vergas State Bank
Metric by metric
| Measure | United Community Bank | Vergas State Bank |
|---|---|---|
| TellerScore | 49 | 93 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 2 | 95 (stronger) |
| Earnings | 55 | 75 (stronger) |
| Funding & liquidity | 96 (stronger) | 93 |
| Problem-loan coverage | 61 | 99 (stronger) |
| Peer percentile | 6th | 94th |
| Total assets | $359.3M | $60.7M |
| Deposits / shares | $326.7M | $51.5M |
| Capital ratio | 10.49% | 15.27% (stronger) |
| Problem loans | 2.95% | 0.16% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.88% | 1.37% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 67.3% |
| Uninsured deposits | 13.9% | 13.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vergas State Bank has the higher TellerScore (93 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 1 and Vergas State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.