Side-by-side · Q2 2026 data
Pennian Bank vs Cfsbank
Metric by metric
| Measure | Pennian Bank | Cfsbank |
|---|---|---|
| TellerScore | 55 | 66 (stronger) |
| Capital cushion | 42 | 60 (stronger) |
| Loan quality | 64 | 92 (stronger) |
| Earnings | 36 (stronger) | 29 |
| Funding & liquidity | 76 (stronger) | 61 |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 11th | 31st |
| Total assets | $667.9M | $773.4M |
| Deposits / shares | $578.9M | $642.2M |
| Capital ratio | 9.24% | 10.96% (stronger) |
| Problem loans | 1.09% | 0.24% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.39% (stronger) | 0.21% |
| Loans ÷ deposits | 76.3% (stronger) | 77.1% |
| Uninsured deposits | 21.8% (stronger) | 35.1% |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 8.5% |
Cfsbank has the higher TellerScore (66 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Pennian Bank leads on 3 and Cfsbank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.