Side-by-side · Q2 2026 data
The First National Bank of Pandora vs SSB Community Bank
Metric by metric
| Measure | The First National Bank of Pandora | SSB Community Bank |
|---|---|---|
| TellerScore | 65 | 67 (stronger) |
| Capital cushion | 31 (stronger) | 24 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 56 | 83 (stronger) |
| Funding & liquidity | 80 (stronger) | 62 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 29th | 34th |
| Total assets | $299.0M | $296.8M |
| Deposits / shares | $275.1M | $262.3M |
| Capital ratio | 8.07% (stronger) | 7.36% |
| Problem loans | 0.27% | 0.14% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.57% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 98.7% |
| Uninsured deposits | 21.7% | 11.5% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
SSB Community Bank has the higher TellerScore (67 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Pandora leads on 2 and SSB Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.