Side-by-side · Q2 2026 data
United Cumberland Bank vs Pbt Bancorp
Metric by metric
| Measure | United Cumberland Bank | Pbt Bancorp |
|---|---|---|
| TellerScore | 71 (stronger) | 28 |
| Capital cushion | 65 (stronger) | 32 |
| Loan quality | 54 (stronger) | 11 |
| Earnings | 97 (stronger) | 19 |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 83 (stronger) | 20 |
| Peer percentile | 47th | 1st |
| Total assets | $460.2M | $473.2M |
| Deposits / shares | $399.3M | $426.7M |
| Capital ratio | 11.47% (stronger) | 8.15% |
| Problem loans | 1.39% (stronger) | 2.66% |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.93% (stronger) | -0.01% |
| Loans ÷ deposits | 83.5% (stronger) | 86.1% |
| Uninsured deposits | 23.7% | 22.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
United Cumberland Bank has the higher TellerScore (71 vs 28). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 5 and Pbt Bancorp on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.