Side-by-side · Q2 2026 data
United Cumberland Bank vs Whitaker Bank
Metric by metric
| Measure | United Cumberland Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 65 | 79 (stronger) |
| Loan quality | 54 | 93 (stronger) |
| Earnings | 97 (stronger) | 77 |
| Funding & liquidity | 67 | 80 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $460.2M | $1.9B |
| Deposits / shares | $399.3M | $1.6B |
| Capital ratio | 11.47% | 12.89% (stronger) |
| Problem loans | 1.39% | 0.21% (stronger) |
| Net charge-offs | 0.07% | 0.06% (stronger) |
| Return on assets | 1.93% (stronger) | 1.42% |
| Loans ÷ deposits | 83.5% | 67.3% (stronger) |
| Uninsured deposits | 23.7% (stronger) | 26.8% |
| Offices | 7 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Whitaker Bank has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 2 and Whitaker Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.