Side-by-side · Q2 2026 data
United State Bank vs United Community Bank
Metric by metric
| Measure | United State Bank | United Community Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 91 (stronger) | 73 |
| Funding & liquidity | 74 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 77th | 66th |
| Total assets | $290.1M | $4.1B |
| Deposits / shares | $258.4M | $3.6B |
| Capital ratio | 10.50% (stronger) | 10.17% |
| Problem loans | 0.07% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.77% (stronger) | 1.32% |
| Loans ÷ deposits | 86.0% | 73.5% (stronger) |
| Uninsured deposits | 10.1% (stronger) | 35.0% |
| Offices | 6 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
United State Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United State Bank leads on 6 and United Community Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Palmyra, MO