Side-by-side · Q2 2026 data
United Cumberland Bank vs The First National Bank of Oneida
Metric by metric
| Measure | United Cumberland Bank | The First National Bank of Oneida |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 65 (stronger) | 60 |
| Loan quality | 54 | 91 (stronger) |
| Earnings | 97 | 99 (stronger) |
| Funding & liquidity | 67 | 81 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 47th | 82nd |
| Total assets | $460.2M | $367.8M |
| Deposits / shares | $399.3M | $328.0M |
| Capital ratio | 11.47% (stronger) | 10.98% |
| Problem loans | 1.39% | 0.27% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.93% | 1.97% (stronger) |
| Loans ÷ deposits | 83.5% | 68.9% (stronger) |
| Uninsured deposits | 23.7% (stronger) | 24.2% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
The First National Bank of Oneida has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 2 and The First National Bank of Oneida on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Oneida, TN