If I have to test, it's more likely because I have a city water ground feeding to another service providing a return path, you can used the loads on 1/2 the panel as a load tester, first thing I always do is turn off every other phase breaker in the panel, and any two poles, so that only one leg is loaded, turn off the main and lift the water ground then turn the main back on, be carefull as you will have 120 volts on the grounding if you have a bad neutral, then if you can measure 120 volts to ground from the meter can, to earth you have lost the neutral at the riser or at the pole.
Also if they have cable TV disconnect it at the grounding block as it will also provide a path to the MGN, and can burn up under a load.
Just make sure you know where everyone is, that no one goes near anything grounded to the service.
Using a load bank with the water ground connected can give a false indication of a good neutral, any this is what happens with many service men from the POCO's. you have the same danger when using a load bank that can damage equipment and put a raised voltage on the grounding, so even using a load bank, make sure you shut off the main and or branch circuit breakers, and make sure no one is near anything grounded, lift the water ground if a city supply, and cable is disconnected, before you load the neutral.