Side-by-side · Q2 2026 data
Americana Community Bank vs Pine River State Bank
Metric by metric
| Measure | Americana Community Bank | Pine River State Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 67 (stronger) | 35 |
| Loan quality | 80 (stronger) | 75 |
| Earnings | 45 | 57 (stronger) |
| Funding & liquidity | 57 | 98 (stronger) |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 34th | 26th |
| Total assets | $179.9M | $185.3M |
| Deposits / shares | $152.7M | $169.8M |
| Capital ratio | 11.66% (stronger) | 8.48% |
| Problem loans | 0.60% (stronger) | 0.74% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.62% | 0.92% (stronger) |
| Loans ÷ deposits | 92.6% | 62.2% (stronger) |
| Uninsured deposits | 24.7% | 13.3% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.2% |
Americana Community Bank has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Americana Community Bank leads on 3 and Pine River State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.