Side-by-side · Q2 2026 data
Pioneer Bank vs Citizens Bank Minnesota
Metric by metric
| Measure | Pioneer Bank | Citizens Bank Minnesota |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 52 (stronger) | 43 |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 83 (stronger) | 54 |
| Funding & liquidity | 68 | 78 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 47th | 43rd |
| Total assets | $883.8M | $596.0M |
| Deposits / shares | $763.0M | $498.7M |
| Capital ratio | 10.20% (stronger) | 9.33% |
| Problem loans | 0.58% | 0.02% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.57% (stronger) | 0.85% |
| Loans ÷ deposits | 84.2% | 80.5% (stronger) |
| Uninsured deposits | 22.6% | 16.9% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | 5.1% |
Pioneer Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 3 and Citizens Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.