Side-by-side · Q2 2026 data
Randall State Bank vs Pine Country Bank
Metric by metric
| Measure | Randall State Bank | Pine Country Bank |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 57 (stronger) | 52 |
| Loan quality | 23 | 98 (stronger) |
| Earnings | 80 (stronger) | 76 |
| Funding & liquidity | 63 | 85 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 15th | 72nd |
| Total assets | $76.4M | $380.3M |
| Deposits / shares | $63.2M | $335.1M |
| Capital ratio | 10.73% (stronger) | 10.24% |
| Problem loans | 2.30% | 0.06% (stronger) |
| Net charge-offs | 0.79% | -0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.40% |
| Loans ÷ deposits | 96.6% | 72.3% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 17.5% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Randall State Bank leads on 3 and Pine Country Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.