Side-by-side · Q2 2026 data
Pioneer Bank vs Odin State Bank
Metric by metric
| Measure | Pioneer Bank | Odin State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 39 |
| Capital cushion | 52 (stronger) | 35 |
| Loan quality | 81 (stronger) | 28 |
| Earnings | 83 (stronger) | 16 |
| Funding & liquidity | 68 | 81 (stronger) |
| Problem-loan coverage | 88 (stronger) | 65 |
| Peer percentile | 47th | 3rd |
| Total assets | $883.8M | $82.4M |
| Deposits / shares | $763.0M | $74.4M |
| Capital ratio | 10.20% (stronger) | 8.50% |
| Problem loans | 0.58% (stronger) | 2.17% |
| Net charge-offs | 0.03% (stronger) | 2.68% |
| Return on assets | 1.57% (stronger) | -0.11% |
| Loans ÷ deposits | 84.2% | 79.7% (stronger) |
| Uninsured deposits | 22.6% | 9.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
Pioneer Bank has the higher TellerScore (71 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 5 and Odin State Bank on 2. 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.