Bank Comparison
Pioneer State Bank vs Ascent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| CET1 Ratio | — | 11.41% |
| Tier 1 Capital Ratio | — | 11.41% |
| Total Capital Ratio | — | 12.66% |
| Tier 1 Leverage Ratio | 15.68% | 7.98% |
| Equity / Assets | 14.95% | 8.72% |
Profitability
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| Return on Assets (ROA) | -0.77% | 1.12% |
| Return on Equity (ROE) | -5.01% | 12.64% |
| Net Interest Margin (NIM) | 3.37% | 4.15% |
| Yield on Earning Assets | 5.22% | 5.89% |
| Cost of Funds | 1.96% | 1.90% |
Asset quality
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| Texas Ratio | 0.28% | 19.49% |
| Non-Performing Loan Ratio | 0.00% | 2.20% |
| Non-Performing Asset Ratio | 0.00% | 1.76% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.27% | 1.54% |
Balance sheet
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| Total Assets | $121,990K | $104,062K |
| Total Deposits | $95,158K | $92,473K |
| Total Loans | $91,740K | $83,049K |
| Total Equity | $18,233K | $9,072K |
| Net Income (quarter) | $-230 | $312 |
Liquidity & funding
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.41% | 89.81% |
| Core Deposit Ratio | 88.29% | 81.45% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pioneer State Bank | Ascent Bank |
|---|---|---|
| Headquarters City | DEER LODGE | HELENA |
| Headquarters State | MT | MT |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 19 | 17 |
| Established | Jan. 1, 1912, midnight | April 13, 1970, 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 March 31, 2026. 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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