Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs Potomac Bank
Metric by metric
| Measure | Pendleton Community Bank, Inc. | Potomac Bank |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 37 | 49 (stronger) |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 69 | 76 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 20th | 53rd |
| Total assets | $849.7M | $980.2M |
| Deposits / shares | $718.6M | $847.9M |
| Capital ratio | 8.67% | 9.85% (stronger) |
| Problem loans | 0.85% | 0.08% (stronger) |
| Net charge-offs | 0.22% | 0.07% (stronger) |
| Return on assets | 1.23% | 1.40% (stronger) |
| Loans ÷ deposits | 98.2% | 90.5% (stronger) |
| Uninsured deposits | 14.7% (stronger) | 24.5% |
| Offices | 15 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 7.4% |
Potomac Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 1 and Potomac Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.