Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs Pioneer Bank
Metric by metric
| Measure | The James Polk Stone Community Bank | Pioneer Bank |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 53 (stronger) | 43 |
| Earnings | 100 | 100 |
| Funding & liquidity | 59 | 84 (stronger) |
| Problem-loan coverage | 86 (stronger) | 80 |
| Peer percentile | 31st | 70th |
| Total assets | $443.8M | $1.1B |
| Deposits / shares | $379.3M | $850.8M |
| Capital ratio | 9.98% | 12.32% (stronger) |
| Problem loans | 1.41% (stronger) | 1.71% |
| Net charge-offs | 0.20% | -0.01% (stronger) |
| Return on assets | 2.08% | 2.58% (stronger) |
| Loans ÷ deposits | 54.1% (stronger) | 72.3% |
| Uninsured deposits | 51.9% | 18.7% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.8% |
Pioneer Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 2 and Pioneer Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.