Bank Comparison
Pioneer Community Bank, INC. vs Hatch Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| CET1 Ratio | — | 30.76% |
| Tier 1 Capital Ratio | — | 30.76% |
| Total Capital Ratio | — | 32.02% |
| Tier 1 Leverage Ratio | 13.93% | 22.73% |
| Equity / Assets | 12.93% | 20.93% |
Profitability
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 4.75% |
| Return on Equity (ROE) | 4.90% | 23.15% |
| Net Interest Margin (NIM) | 4.07% | 5.29% |
| Yield on Earning Assets | 5.37% | 7.22% |
| Cost of Funds | 1.35% | 2.67% |
Asset quality
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| Texas Ratio | 2.00% | 0.71% |
| Non-Performing Loan Ratio | 0.12% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 0.00% |
| Net Charge-Off Ratio | 0.03% | 1.15% |
| ACL / Loans | 0.97% | 1.94% |
Balance sheet
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| Total Assets | $186,808K | $186,754K |
| Total Deposits | $156,488K | $57,074K |
| Total Loans | $138,095K | $120,249K |
| Total Equity | $24,158K | $39,083K |
| Net Income (quarter) | $295 | $2,199K |
Liquidity & funding
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.25% | 210.69% |
| Core Deposit Ratio | 91.75% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pioneer Community Bank, INC. | Hatch Bank |
|---|---|---|
| Headquarters City | IAEGER | SAN MARCOS |
| Headquarters State | WV | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 42 | 26 |
| Established | Sept. 20, 1931, midnight | Jan. 2, 1982, 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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