Side-by-side · Q2 2026 data
Producers Bank & Trust vs Encore Bank
Metric by metric
| Measure | Producers Bank & Trust | Encore Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 94 (stronger) | 35 |
| Funding & liquidity | 40 | 53 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 95th | 24th |
| Total assets | $213.2M | $3.7B |
| Deposits / shares | $159.6M | $3.4B |
| Capital ratio | 22.09% (stronger) | 9.43% |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | 0.69% | 0.13% (stronger) |
| Return on assets | 1.86% (stronger) | 0.37% |
| Loans ÷ deposits | 95.7% | 80.1% (stronger) |
| Uninsured deposits | 37.3% (stronger) | 39.8% |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.6% |
Producers Bank & Trust has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Producers Bank & Trust leads on 5 and Encore Bank on 2. 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.