Side-by-side · Q2 2026 data
Pioneer Bank vs Vermillion State Bank
Metric by metric
| Measure | Pioneer Bank | Vermillion State Bank |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 52 | 84 (stronger) |
| Loan quality | 81 | 92 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 68 | 83 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $883.8M | $931.4M |
| Deposits / shares | $763.0M | $806.6M |
| Capital ratio | 10.20% | 13.40% (stronger) |
| Problem loans | 0.58% | 0.24% (stronger) |
| Net charge-offs | 0.03% | -0.12% (stronger) |
| Return on assets | 1.57% | 2.56% (stronger) |
| Loans ÷ deposits | 84.2% | 51.7% (stronger) |
| Uninsured deposits | 22.6% (stronger) | 30.2% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 1 and Vermillion State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.