Side-by-side · Q2 2026 data
Hawthorn Bank vs PCSB Bank
Metric by metric
| Measure | Hawthorn Bank | PCSB Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 63 (stronger) | 61 |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 84 (stronger) | 56 |
| Funding & liquidity | 62 | 96 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 77th | 68th |
| Total assets | $1.8B | $326.1M |
| Deposits / shares | $1.5B | $294.0M |
| Capital ratio | 11.26% (stronger) | 11.09% |
| Problem loans | 0.47% | 0.25% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.59% (stronger) | 0.91% |
| Loans ÷ deposits | 91.8% | 60.3% (stronger) |
| Uninsured deposits | 20.4% | 18.7% (stronger) |
| Offices | 26 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
PCSB Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 2 and PCSB Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.