Side-by-side · Q2 2026 data
Pointwest Bank vs Peoples State Bank
Metric by metric
| Measure | Pointwest Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 75 (stronger) | 60 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 89 | 92 (stronger) |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 95th | 77th |
| Total assets | $137.3M | $140.0M |
| Deposits / shares | $121.8M | $126.5M |
| Capital ratio | 12.54% (stronger) | 11.02% |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.72% | 1.81% (stronger) |
| Loans ÷ deposits | 40.1% | 35.8% (stronger) |
| Uninsured deposits | 12.0% (stronger) | 46.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pointwest Bank has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Pointwest Bank leads on 5 and Peoples State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.