Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Pioneer State Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Pioneer State Bank |
|---|---|---|
| TellerScore | 49 | 70 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 83 (stronger) | 68 |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 6th | 43rd |
| Total assets | $155.4M | $133.5M |
| Deposits / shares | $127.2M | $100.5M |
| Capital ratio | 9.92% | 16.80% (stronger) |
| Problem loans | 3.15% | 0.59% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.43% (stronger) | -2.15% |
| Loans ÷ deposits | 74.2% (stronger) | 91.8% |
| Uninsured deposits | 18.3% | 14.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pioneer State Bank has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Pioneer State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.