Side-by-side · Q2 2026 data
Pine Country Bank vs St. Martin National Bank
Metric by metric
| Measure | Pine Country Bank | St. Martin National Bank |
|---|---|---|
| TellerScore | 78 | 100 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 100th |
| Total assets | $380.3M | $29.4M |
| Deposits / shares | $335.1M | $25.0M |
| Capital ratio | 10.24% | 15.51% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.40% | 2.42% (stronger) |
| Loans ÷ deposits | 72.3% | 52.6% (stronger) |
| Uninsured deposits | 17.5% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
St. Martin National Bank has the higher TellerScore (100 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Pine Country Bank leads on 1 and St. Martin National 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.