Side-by-side · Q2 2026 data
Pillar Bank vs Ergo Bank
Metric by metric
| Measure | Pillar Bank | Ergo Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 44 |
| Capital cushion | 50 (stronger) | 34 |
| Loan quality | 69 (stronger) | 42 |
| Earnings | 59 (stronger) | 33 |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 87 (stronger) | 72 |
| Peer percentile | 22nd | 4th |
| Total assets | $267.0M | $276.7M |
| Deposits / shares | $195.8M | $226.2M |
| Capital ratio | 9.99% (stronger) | 8.42% |
| Problem loans | 0.92% (stronger) | 1.74% |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 0.97% (stronger) | 0.33% |
| Loans ÷ deposits | 79.0% (stronger) | 98.3% |
| Uninsured deposits | 30.6% | 15.4% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Pillar Bank has the higher TellerScore (62 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Pillar Bank leads on 6 and Ergo Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.