Side-by-side · Q2 2026 data
United Cumberland Bank vs One Bank of Tennessee
Metric by metric
| Measure | United Cumberland Bank | One Bank of Tennessee |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 65 (stronger) | 41 |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 67 | 80 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 47th | 88th |
| Total assets | $460.2M | $1.7B |
| Deposits / shares | $399.3M | $1.5B |
| Capital ratio | 11.47% (stronger) | 9.09% |
| Problem loans | 1.39% | 0.01% (stronger) |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.93% | 2.16% (stronger) |
| Loans ÷ deposits | 83.5% | 73.5% (stronger) |
| Uninsured deposits | 23.7% | 20.9% (stronger) |
| Offices | 7 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 3.9% |
One Bank of Tennessee has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 1 and One Bank of Tennessee on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Oneida, TN