Side-by-side · Q2 2026 data
Waldo State Bank vs The Pineries Bank
Metric by metric
| Measure | Waldo State Bank | The Pineries Bank |
|---|---|---|
| TellerScore | 47 | 83 (stronger) |
| Capital cushion | 53 | 63 (stronger) |
| Loan quality | 19 | 100 (stronger) |
| Earnings | 47 | 81 (stronger) |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 5th | 84th |
| Total assets | $154.2M | $149.1M |
| Deposits / shares | $127.4M | $130.5M |
| Capital ratio | 10.28% | 11.34% (stronger) |
| Problem loans | 2.44% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.68% | 1.52% (stronger) |
| Loans ÷ deposits | 92.1% | 76.2% (stronger) |
| Uninsured deposits | 9.1% (stronger) | 14.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Pineries Bank has the higher TellerScore (83 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Waldo State Bank leads on 2 and The Pineries Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.