Side-by-side · Q2 2026 data
PNB Community Bank vs Gulf Coast Business Bank
Metric by metric
| Measure | PNB Community Bank | Gulf Coast Business Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 53 | 75 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 70 (stronger) | 35 |
| Funding & liquidity | 72 (stronger) | 37 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 61st | 43rd |
| Total assets | $155.2M | $186.6M |
| Deposits / shares | $140.3M | $160.3M |
| Capital ratio | 10.32% | 12.53% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.37% |
| Loans ÷ deposits | 76.2% (stronger) | 97.3% |
| Uninsured deposits | 26.3% (stronger) | 38.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
PNB Community Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), PNB Community Bank leads on 4 and Gulf Coast Business Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.