Side-by-side · Q2 2026 data
Pillar Bank vs River Falls State Bank
Metric by metric
| Measure | Pillar Bank | River Falls State Bank |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 69 | 93 (stronger) |
| Earnings | 59 | 64 (stronger) |
| Funding & liquidity | 64 | 80 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 22nd | 68th |
| Total assets | $267.0M | $143.2M |
| Deposits / shares | $195.8M | $127.5M |
| Capital ratio | 9.99% | 11.40% (stronger) |
| Problem loans | 0.92% | 0.21% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 0.97% | 1.10% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 80.5% |
| Uninsured deposits | 30.6% | 11.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 2.6% |
River Falls State Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Pillar Bank leads on 2 and River Falls State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.