Side-by-side · Q2 2026 data
Garfield County Bank vs Pioneer State Bank
Metric by metric
| Measure | Garfield County Bank | Pioneer State Bank |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 99 (stronger) | 68 |
| Problem-loan coverage | 52 | 95 (stronger) |
| Peer percentile | 26th | 43rd |
| Total assets | $108.0M | $133.5M |
| Deposits / shares | $90.6M | $100.5M |
| Capital ratio | 15.82% | 16.80% (stronger) |
| Problem loans | 8.42% | 0.59% (stronger) |
| Net charge-offs | 0.25% | -0.00% (stronger) |
| Return on assets | 1.30% (stronger) | -2.15% |
| Loans ÷ deposits | 52.4% (stronger) | 91.8% |
| Uninsured deposits | 15.9% | 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 64). On the 7 directional measures above (where higher or lower is clearly better), Garfield County Bank leads on 2 and Pioneer State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.