Side-by-side · Q2 2026 data
United Southern Bank vs Terrabank, National Association
Metric by metric
| Measure | United Southern Bank | Terrabank, National Association |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 58 (stronger) | 48 |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 94 (stronger) | 47 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 64th | 29th |
| Total assets | $843.0M | $897.7M |
| Deposits / shares | $769.1M | $791.4M |
| Capital ratio | 10.77% (stronger) | 9.83% |
| Problem loans | 0.44% | 0.11% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.23% (stronger) | 0.71% |
| Loans ÷ deposits | 59.9% (stronger) | 75.4% |
| Uninsured deposits | 20.3% (stronger) | 49.0% |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
United Southern Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and Terrabank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.