Side-by-side · Q2 2026 data
Peoples Bank and Trust Company vs Bison State Bank
Metric by metric
| Measure | Peoples Bank and Trust Company | Bison State Bank |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 43 | 53 (stronger) |
| Loan quality | 69 | 89 (stronger) |
| Earnings | 53 | 60 (stronger) |
| Funding & liquidity | 74 (stronger) | 55 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 24th | 37th |
| Total assets | $1.6B | $125.8M |
| Deposits / shares | $1.4B | $99.0M |
| Capital ratio | 9.27% | 10.26% (stronger) |
| Problem loans | 0.92% | 0.32% (stronger) |
| Net charge-offs | 0.61% | -0.01% (stronger) |
| Return on assets | 0.84% | 1.01% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 99.1% |
| Uninsured deposits | 24.8% | 20.5% (stronger) |
| Offices | 21 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 1.7% |
Bison State Bank has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 1 and Bison State Bank on 6. 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.