Side-by-side · Q2 2026 data
Pine Country Bank vs North Star Bank
Metric by metric
| Measure | Pine Country Bank | North Star Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 98 (stronger) | 69 |
| Earnings | 76 (stronger) | 74 |
| Funding & liquidity | 85 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 72nd | 47th |
| Total assets | $380.3M | $378.7M |
| Deposits / shares | $335.1M | $340.8M |
| Capital ratio | 10.24% | 11.00% (stronger) |
| Problem loans | 0.06% (stronger) | 0.94% |
| Net charge-offs | -0.00% (stronger) | 0.86% |
| Return on assets | 1.40% (stronger) | 1.35% |
| Loans ÷ deposits | 72.3% | 71.3% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 21.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Pine Country Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pine Country Bank leads on 5 and North Star Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.