Side-by-side · Q2 2026 data
United Community Bank vs Wadena State Bank
Metric by metric
| Measure | United Community Bank | Wadena State Bank |
|---|---|---|
| TellerScore | 49 | 81 (stronger) |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 2 | 99 (stronger) |
| Earnings | 55 | 94 (stronger) |
| Funding & liquidity | 96 (stronger) | 91 |
| Problem-loan coverage | 61 | 98 (stronger) |
| Peer percentile | 6th | 80th |
| Total assets | $359.3M | $206.6M |
| Deposits / shares | $326.7M | $187.9M |
| Capital ratio | 10.49% (stronger) | 9.84% |
| Problem loans | 2.95% | 0.04% (stronger) |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 0.88% | 1.85% (stronger) |
| Loans ÷ deposits | 64.6% (stronger) | 69.4% |
| Uninsured deposits | 13.9% | 13.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wadena State Bank has the higher TellerScore (81 vs 49). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Wadena State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.