Side-by-side · Q2 2026 data
Pioneer Community Bank, Inc. vs MCNB Bank and Trust Co.
Metric by metric
| Measure | Pioneer Community Bank, Inc. | MCNB Bank and Trust Co. |
|---|---|---|
| TellerScore | 79 (stronger) | 50 |
| Capital cushion | 86 (stronger) | 73 |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 51 | 55 (stronger) |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 95 (stronger) | 62 |
| Peer percentile | 75th | 7th |
| Total assets | $191.1M | $356.5M |
| Deposits / shares | $160.2M | $292.2M |
| Capital ratio | 13.58% (stronger) | 12.29% |
| Problem loans | 0.29% (stronger) | 3.22% |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.78% | 0.87% (stronger) |
| Loans ÷ deposits | 87.1% | 86.1% (stronger) |
| Uninsured deposits | 11.6% (stronger) | 15.8% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 6.8% |
Pioneer Community Bank, Inc. has the higher TellerScore (79 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Community Bank, Inc. leads on 4 and MCNB Bank and Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Beckley, WV
- Welch, WV