Side-by-side · Q2 2026 data
FBT Bank & Mortgage vs Pine Federal Credit Union
Metric by metric
| Measure | FBT Bank & Mortgage | Pine Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 77 (stronger) | 50 |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 85 | 97 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 50th | 65th |
| Total assets | $263.6M | $62.8M |
| Deposits / shares | $222.1M | $47.3M |
| Capital ratio | 10.39% | 24.54% (stronger) |
| Problem loans | 0.69% (stronger) | 1.49% |
| Net charge-offs | 0.35% (stronger) | 0.70% |
| Return on assets | 1.41% (stronger) | 1.14% |
| Loans ÷ deposits | 70.2% | 62.9% (stronger) |
| Uninsured deposits | 19.5% | 7.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pine Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), FBT Bank & Mortgage leads on 3 and Pine Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.