Side-by-side · Q2 2026 data
1st Financial Bank USA vs Pioneer Bank & Trust
Metric by metric
| Measure | 1st Financial Bank USA | Pioneer Bank & Trust |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 50 | 95 (stronger) |
| Earnings | 59 | 80 (stronger) |
| Funding & liquidity | 72 | 75 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 74th | 91st |
| Total assets | $1.4B | $1.0B |
| Deposits / shares | $1.1B | $896.5M |
| Capital ratio | 16.34% (stronger) | 11.61% |
| Problem loans | 1.51% | 0.14% (stronger) |
| Net charge-offs | 2.29% | 0.13% (stronger) |
| Return on assets | 0.98% | 1.50% (stronger) |
| Loans ÷ deposits | 88.7% | 60.5% (stronger) |
| Uninsured deposits | 2.0% (stronger) | 37.0% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.1% |
Pioneer Bank & Trust has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), 1st Financial Bank USA leads on 2 and Pioneer Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.