Side-by-side · Q2 2026 data
Pioneer Bank & Trust vs First Western Federal Savings Bank
Bank
First Western Federal Savings Bank
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Pioneer Bank & Trust | First Western Federal Savings Bank |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 46 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 91st | 92nd |
| Total assets | $1.0B | $63.5M |
| Deposits / shares | $896.5M | $40.6M |
| Capital ratio | 11.61% | 18.08% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.50% | 2.31% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 143.5% |
| Uninsured deposits | 37.0% | 18.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 4.3% |
First Western Federal Savings Bank has the higher TellerScore (92 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank & Trust leads on 1 and First Western Federal Savings 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.