Side-by-side · Q2 2026 data
Pioneer Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Pioneer Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 70 (stronger) | 41 |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 53 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 86th | 58th |
| Total assets | $371.8M | $1.4B |
| Deposits / shares | $296.2M | $1.3B |
| Capital ratio | 11.96% (stronger) | 9.10% |
| Problem loans | 0.03% (stronger) | 0.43% |
| Net charge-offs | -0.04% (stronger) | 0.07% |
| Return on assets | 2.81% (stronger) | 1.24% |
| Loans ÷ deposits | 97.1% | 72.6% (stronger) |
| Uninsured deposits | 24.3% | 14.1% (stronger) |
| Offices | 6 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 3.6% |
Pioneer Bank has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 5 and Farmers & Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.