Side-by-side · Q2 2026 data
BAC Community Bank vs Pacific Valley Bank
Metric by metric
| Measure | BAC Community Bank | Pacific Valley Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 64 | 76 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 51 | 55 (stronger) |
| Funding & liquidity | 79 (stronger) | 26 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 61st | 43rd |
| Total assets | $761.9M | $653.3M |
| Deposits / shares | $673.0M | $570.5M |
| Capital ratio | 11.44% | 12.60% (stronger) |
| Problem loans | 0.18% (stronger) | 0.24% |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 0.77% | 0.87% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 94.5% |
| Uninsured deposits | 28.0% (stronger) | 50.7% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BAC Community Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), BAC Community Bank leads on 4 and Pacific Valley Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.