Side-by-side · Q2 2026 data
PCSB Bank vs Houghton State Bank
Metric by metric
| Measure | PCSB Bank | Houghton State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 92 (stronger) | 14 |
| Earnings | 56 | 83 (stronger) |
| Funding & liquidity | 96 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 80 |
| Peer percentile | 68th | 40th |
| Total assets | $326.1M | $204.8M |
| Deposits / shares | $294.0M | $169.2M |
| Capital ratio | 11.09% | 15.39% (stronger) |
| Problem loans | 0.25% (stronger) | 2.58% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 0.91% | 1.56% (stronger) |
| Loans ÷ deposits | 60.3% (stronger) | 85.7% |
| Uninsured deposits | 18.7% (stronger) | 19.4% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
PCSB Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), PCSB Bank leads on 5 and Houghton State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.