Side-by-side · Q2 2026 data
Bank of Monticello vs Vallant Bank
Metric by metric
| Measure | Bank of Monticello | Vallant Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 95 (stronger) | 77 |
| Loan quality | 65 | 83 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 84th | 86th |
| Total assets | $158.0M | $4.0B |
| Deposits / shares | $135.6M | $3.5B |
| Capital ratio | 14.52% (stronger) | 12.70% |
| Problem loans | 1.06% | 0.51% (stronger) |
| Net charge-offs | -0.19% (stronger) | 0.08% |
| Return on assets | 3.21% (stronger) | 1.33% |
| Loans ÷ deposits | 83.3% (stronger) | 85.2% |
| Uninsured deposits | 26.6% | 20.6% (stronger) |
| Offices | 1 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Monticello has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Bank of Monticello leads on 5 and Vallant Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.