Bank Comparison
Pioneer State Bank vs California Business Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| CET1 Ratio | — | 19.21% |
| Tier 1 Capital Ratio | — | 19.21% |
| Total Capital Ratio | — | 20.47% |
| Tier 1 Leverage Ratio | 15.68% | 14.79% |
| Equity / Assets | 14.95% | 14.26% |
Profitability
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| Return on Assets (ROA) | -0.77% | 0.75% |
| Return on Equity (ROE) | -5.01% | 5.13% |
| Net Interest Margin (NIM) | 3.37% | 4.09% |
| Yield on Earning Assets | 5.22% | 6.13% |
| Cost of Funds | 1.96% | 2.24% |
Asset quality
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| Texas Ratio | 0.28% | 2.48% |
| Non-Performing Loan Ratio | 0.00% | 0.49% |
| Non-Performing Asset Ratio | 0.00% | 0.38% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.27% | 1.51% |
Balance sheet
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| Total Assets | $121,990K | $122,227K |
| Total Deposits | $95,158K | $100,377K |
| Total Loans | $91,740K | $95,675K |
| Total Equity | $18,233K | $17,432K |
| Net Income (quarter) | $-230 | $223 |
Liquidity & funding
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.41% | 95.32% |
| Core Deposit Ratio | 88.29% | 95.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pioneer State Bank | California Business Bank |
|---|---|---|
| Headquarters City | DEER LODGE | IRVINE |
| Headquarters State | MT | CA |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 19 | 15 |
| Established | Jan. 1, 1912, midnight | Nov. 1, 2005, 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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