Side-by-side · Q2 2026 data
The Bank of Vernon vs Peoples Independent Bank
Metric by metric
| Measure | The Bank of Vernon | Peoples Independent Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 71 | 84 (stronger) |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 88th | 61st |
| Total assets | $445.4M | $485.7M |
| Deposits / shares | $373.6M | $441.3M |
| Capital ratio | 16.60% (stronger) | 9.41% |
| Problem loans | 0.47% | 0.30% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 1.27% | 1.60% (stronger) |
| Loans ÷ deposits | 87.8% | 42.5% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 26.1% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.9% |
The Bank of Vernon has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Vernon leads on 3 and Peoples Independent Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.