Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs Pioneer Bank
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | Pioneer Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 71 |
| Capital cushion | 61 (stronger) | 52 |
| Loan quality | 99 (stronger) | 81 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 77 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 88th | 47th |
| Total assets | $134.4M | $883.8M |
| Deposits / shares | $118.4M | $763.0M |
| Capital ratio | 11.08% (stronger) | 10.20% |
| Problem loans | 0.03% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.18% (stronger) | 1.57% |
| Loans ÷ deposits | 83.0% (stronger) | 84.2% |
| Uninsured deposits | 15.0% (stronger) | 22.6% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.4% |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 7 and Pioneer Bank on 0. 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.