Side-by-side · Q2 2026 data
Peoples Bank of Graceville vs PNB Community Bank
Metric by metric
| Measure | Peoples Bank of Graceville | PNB Community Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 53 | 53 |
| Loan quality | 89 | 99 (stronger) |
| Earnings | 61 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 61st | 61st |
| Total assets | $115.8M | $155.2M |
| Deposits / shares | $106.5M | $140.3M |
| Capital ratio | 10.29% | 10.32% (stronger) |
| Problem loans | 0.34% | 0.04% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.02% | 1.24% (stronger) |
| Loans ÷ deposits | 39.7% (stronger) | 76.2% |
| Uninsured deposits | 14.6% (stronger) | 26.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Peoples Bank of Graceville leads on 3 and PNB Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.