Bank Comparison
Peoples Community Bank vs Pilgrim Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| CET1 Ratio | — | 14.17% |
| Tier 1 Capital Ratio | — | 14.17% |
| Total Capital Ratio | — | 14.99% |
| Tier 1 Leverage Ratio | 19.56% | 10.03% |
| Equity / Assets | 18.71% | 9.29% |
Profitability
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| Return on Assets (ROA) | 2.83% | 0.64% |
| Return on Equity (ROE) | 15.21% | 7.03% |
| Net Interest Margin (NIM) | 4.71% | 2.78% |
| Yield on Earning Assets | 6.42% | 4.86% |
| Cost of Funds | 2.02% | 2.19% |
Asset quality
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| Texas Ratio | 5.94% | 10.68% |
| Non-Performing Loan Ratio | 1.66% | 1.41% |
| Non-Performing Asset Ratio | 1.13% | 0.93% |
| Net Charge-Off Ratio | -0.05% | 0.00% |
| ACL / Loans | 1.16% | 0.88% |
Balance sheet
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| Total Assets | $723,470K | $723,631K |
| Total Deposits | $584,735K | $592,946K |
| Total Loans | $492,707K | $474,979K |
| Total Equity | $135,329K | $67,237K |
| Net Income (quarter) | $5,077K | $1,189K |
Liquidity & funding
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.26% | 80.10% |
| Core Deposit Ratio | 86.44% | 89.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Community Bank | Pilgrim Bank |
|---|---|---|
| Headquarters City | GREENVILLE | PITTSBURG |
| Headquarters State | MO | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 16 | 14 |
| Employees (FTE) | 121 | 101 |
| Established | Jan. 3, 1977, midnight | Jan. 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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