Side-by-side · Q2 2026 data
PCSB Bank vs Community Bank and Trust Company
Metric by metric
| Measure | PCSB Bank | Community Bank and Trust Company |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 61 (stronger) | 33 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 56 | 85 (stronger) |
| Funding & liquidity | 96 (stronger) | 80 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 68th | 53rd |
| Total assets | $326.1M | $303.5M |
| Deposits / shares | $294.0M | $280.3M |
| Capital ratio | 11.09% (stronger) | 8.28% |
| Problem loans | 0.25% | 0.08% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.91% | 1.62% (stronger) |
| Loans ÷ deposits | 60.3% (stronger) | 68.8% |
| Uninsured deposits | 18.7% (stronger) | 25.1% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
PCSB Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), PCSB Bank leads on 4 and Community Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.