Side-by-side · Q2 2026 data
The Peoples Bank Co. vs Mechanics Bank
Metric by metric
| Measure | The Peoples Bank Co. | Mechanics Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 61 |
| Capital cushion | 69 (stronger) | 34 |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 87 (stronger) | 49 |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 88th | 20th |
| Total assets | $859.2M | $896.4M |
| Deposits / shares | $738.8M | $790.2M |
| Capital ratio | 11.89% (stronger) | 8.44% |
| Problem loans | 0.13% (stronger) | 0.42% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 0.72% |
| Loans ÷ deposits | 61.5% (stronger) | 92.9% |
| Uninsured deposits | 27.4% | 6.9% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
The Peoples Bank Co. has the higher TellerScore (85 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank Co. leads on 5 and Mechanics Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.