Side-by-side · Q2 2026 data
VersaBank USA National Association vs Pine Country Bank
Metric by metric
| Measure | VersaBank USA National Association | Pine Country Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 69 | 76 (stronger) |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 94th | 72nd |
| Total assets | $911.9M | $380.3M |
| Deposits / shares | $675.8M | $335.1M |
| Capital ratio | 22.46% (stronger) | 10.24% |
| Problem loans | 0.10% | 0.06% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.23% | 1.40% (stronger) |
| Loans ÷ deposits | 85.4% | 72.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 17.5% |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
VersaBank USA National Association has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), VersaBank USA National Association leads on 3 and Pine Country Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.