Side-by-side · Q2 2026 data
Pioneer Bank vs VersaBank USA National Association
Metric by metric
| Measure | Pioneer Bank | VersaBank USA National Association |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 81 | 97 (stronger) |
| Earnings | 83 (stronger) | 69 |
| Funding & liquidity | 68 | 75 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 47th | 94th |
| Total assets | $883.8M | $911.9M |
| Deposits / shares | $763.0M | $675.8M |
| Capital ratio | 10.20% | 22.46% (stronger) |
| Problem loans | 0.58% | 0.10% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.57% (stronger) | 1.23% |
| Loans ÷ deposits | 84.2% (stronger) | 85.4% |
| Uninsured deposits | 22.6% | 0.0% (stronger) |
| Offices | 6 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
VersaBank USA National Association has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 2 and VersaBank USA National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.