Side-by-side · Q2 2026 data
Pioneer Bank vs Locus Bank, Inc.
Metric by metric
| Measure | Pioneer Bank | Locus Bank, Inc. |
|---|---|---|
| TellerScore | 84 (stronger) | 79 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 53 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 86th | 75th |
| Total assets | $371.8M | $359.4M |
| Deposits / shares | $296.2M | $259.3M |
| Capital ratio | 11.96% | 21.46% (stronger) |
| Problem loans | 0.03% (stronger) | 0.62% |
| Net charge-offs | -0.04% (stronger) | -0.01% |
| Return on assets | 2.81% (stronger) | 1.26% |
| Loans ÷ deposits | 97.1% (stronger) | 113.2% |
| Uninsured deposits | 24.3% (stronger) | 26.8% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Pioneer Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 6 and Locus Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.