TellerScore

Headquartered in Pittsburg, Texas, Pilgrim Bank is a state-chartered bank with $714.6M in total assets and $578.4M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1911.

Pilgrim Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 243rd. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.21%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 79.7% · 26.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (70 → 68), mostly because the loan quality component weakened by 5 points.

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202470
Q1 202570
Q2 202570
Q3 202570
Q4 202566
Q1 202666
Q2 202668
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 202410.36%
Q4 202410.34%
Q1 202510.24%
Q2 202510.02%
Q3 202510.17%
Q4 202510.03%
Q1 202610.03%
Q2 202610.21%
Noncurrent loans
0.00%0.21%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.03%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.41%
Q1 20260.35%
Q2 20260.15%
Return on assets
0.58%0.69%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.75%
Q4 20240.69%
Q1 20250.68%
Q2 20250.70%
Q3 20250.71%
Q4 20250.74%
Q1 20260.66%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$714.6M10.21%0.15%0.58%79.7%
Q1 202666$723.6M10.03%0.35%0.66%79.4%
Q4 202566$723.0M10.03%0.41%0.74%81.8%
Q3 202570$721.3M10.17%0.00%0.71%81.3%
Q2 202570$720.6M10.02%0.00%0.70%80.9%
Q1 202570$720.0M10.24%0.00%0.68%84.0%
Q4 202470$692.9M10.34%0.01%0.69%86.9%
Q3 202471$700.0M10.36%0.03%0.75%84.7%
Q2 202471$693.3M10.26%0.04%0.80%83.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.21%
36th
Total risk-based capital15.37%
70th
Problem loans0.15%
69th
Net charge-offs0.00%
53rd
Return on assets0.58%
15th
Net interest margin2.92%
8th
Efficiency ratio74.4%
21st
Loans to deposits79.7%
50th
Uninsured deposits26.2%
41st
Loan-loss reserves0.99%
25th
Texas ratio1.0%
69th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of SonoraBank Sonora, TX46 out of 100, Below average$722.0M8.0%1.40%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
Texas Gulf Bank, National AssociationBank Houston, TX76 out of 100, Strong$726.9M12.0%0.00%vs
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs
Kleberg Bank, N.A.Bank Kingsville, TX70 out of 100, Strong$736.8M9.5%0.10%vs

Deposit insurance

Is my money safe at Pilgrim Bank?

Yes. Pilgrim Bank is an FDIC-insured institution (FDIC certificate #16891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($151.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.37% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Pilgrim Bank lists 13 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pilgrim Bank reported 90 home-loan applications under HMDA (LEI 549300GMJ6RM02VXK542): 71 originated ($30,625,000 total), 10 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pilgrim Bank
Former names
First State Bank
Type
State-chartered bank
FDIC certificate #
16891
RSSD ID
911160
Primary regulator
FDIC
Holding company
Pilgrim Bcorp
Established
January 1, 1911
Headquarters
145 E Marshall St, Pittsburg, TX 75686
Employees
98

Quick answers

Pilgrim Bank: common questions

Is Pilgrim Bank FDIC insured?

Yes. Pilgrim Bank is an FDIC-insured institution (FDIC certificate #16891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pilgrim Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pilgrim Bank ever failed?

There is no failure record for FDIC certificate #16891 in the FDIC failed bank list.

How many branches does Pilgrim Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pittsburg

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs