Side-by-side · Q2 2026 data
Pioneer Bank vs United Bank
Metric by metric
| Measure | Pioneer Bank | United Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 70 (stronger) | 66 |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 53 (stronger) | 44 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 86th | 87th |
| Total assets | $371.8M | $33.6B |
| Deposits / shares | $296.2M | $27.3B |
| Capital ratio | 11.96% (stronger) | 11.60% |
| Problem loans | 0.03% (stronger) | 0.44% |
| Net charge-offs | -0.04% (stronger) | 0.09% |
| Return on assets | 2.81% (stronger) | 1.56% |
| Loans ÷ deposits | 97.1% | 90.5% (stronger) |
| Uninsured deposits | 24.3% (stronger) | 38.3% |
| Offices | 6 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 14.7% | 20.3% |
Pioneer Bank has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 6 and United Bank on 1. 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.