Side-by-side · Q2 2026 data
Pocahontas State Bank vs Twin Cedars Bank
Metric by metric
| Measure | Pocahontas State Bank | Twin Cedars Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 29 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 36 (stronger) | 0 |
| Earnings | 40 (stronger) | 0 |
| Funding & liquidity | 98 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 46 |
| Peer percentile | 47th | 1st |
| Total assets | $122.6M | $118.3M |
| Deposits / shares | $83.1M | $104.7M |
| Capital ratio | 26.35% (stronger) | 9.19% |
| Problem loans | 1.93% (stronger) | 4.61% |
| Net charge-offs | 0.17% (stronger) | 1.84% |
| Return on assets | 0.50% (stronger) | -2.34% |
| Loans ÷ deposits | 52.7% (stronger) | 84.3% |
| Uninsured deposits | 17.0% | 8.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Pocahontas State Bank has the higher TellerScore (71 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Pocahontas State Bank leads on 6 and Twin Cedars Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.