Side-by-side · Q2 2026 data
Bank of Commerce and Trust Company vs The Valley State Bank
Metric by metric
| Measure | Bank of Commerce and Trust Company | The Valley State Bank |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 38 | 72 (stronger) |
| Loan quality | 61 | 97 (stronger) |
| Earnings | 48 (stronger) | 42 |
| Funding & liquidity | 84 | 92 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 13th | 72nd |
| Total assets | $112.8M | $200.5M |
| Deposits / shares | $104.4M | $174.0M |
| Capital ratio | 8.84% | 12.18% (stronger) |
| Problem loans | 1.17% | 0.09% (stronger) |
| Net charge-offs | 0.12% (stronger) | 1.24% |
| Return on assets | 0.70% (stronger) | 0.55% |
| Loans ÷ deposits | 45.0% (stronger) | 62.1% |
| Uninsured deposits | 29.6% | 20.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 18.6% |
The Valley State Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce and Trust Company leads on 3 and The Valley State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.