Side-by-side · Q2 2026 data
United Cumberland Bank vs Eclipse Bank, Inc.
Metric by metric
| Measure | United Cumberland Bank | Eclipse Bank, Inc. |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 65 (stronger) | 45 |
| Loan quality | 54 | 90 (stronger) |
| Earnings | 97 (stronger) | 43 |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 47th | 20th |
| Total assets | $460.2M | $485.7M |
| Deposits / shares | $399.3M | $341.3M |
| Capital ratio | 11.47% (stronger) | 9.47% |
| Problem loans | 1.39% | 0.31% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 0.58% |
| Loans ÷ deposits | 83.5% (stronger) | 120.7% |
| Uninsured deposits | 23.7% | 16.2% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 8.6% |
United Cumberland Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 4 and Eclipse Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.