Side-by-side · Q2 2026 data
Valley Bank of Commerce vs Pioneer Bank
Metric by metric
| Measure | Valley Bank of Commerce | Pioneer Bank |
|---|---|---|
| TellerScore | 64 | 73 (stronger) |
| Capital cushion | 95 (stronger) | 73 |
| Loan quality | 0 | 43 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 54 | 84 (stronger) |
| Problem-loan coverage | 77 | 80 (stronger) |
| Peer percentile | 26th | 70th |
| Total assets | $304.1M | $1.1B |
| Deposits / shares | $260.2M | $850.8M |
| Capital ratio | 14.47% (stronger) | 12.32% |
| Problem loans | 3.32% | 1.71% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.01% |
| Return on assets | 3.53% (stronger) | 2.58% |
| Loans ÷ deposits | 59.6% (stronger) | 72.3% |
| Uninsured deposits | 57.0% | 18.7% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.8% |
Pioneer Bank has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Commerce leads on 4 and Pioneer Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.