Side-by-side · Q2 2026 data
Bank of the Valley vs Madison County Bank
Metric by metric
| Measure | Bank of the Valley | Madison County Bank |
|---|---|---|
| TellerScore | 70 | 85 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 55 | 73 (stronger) |
| Funding & liquidity | 68 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 43rd | 88th |
| Total assets | $581.9M | $613.2M |
| Deposits / shares | $490.8M | $479.2M |
| Capital ratio | 9.87% | 15.11% (stronger) |
| Problem loans | 0.05% (stronger) | 0.37% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.87% | 1.33% (stronger) |
| Loans ÷ deposits | 91.8% (stronger) | 94.9% |
| Uninsured deposits | 13.0% (stronger) | 23.4% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison County Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Valley leads on 3 and Madison County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.