Side-by-side · Q2 2026 data
Bath State Bank vs Spring Valley Bank
Metric by metric
| Measure | Bath State Bank | Spring Valley Bank |
|---|---|---|
| TellerScore | 60 | 89 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 74 | 86 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 49 |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 19th | 94th |
| Total assets | $337.6M | $113.6M |
| Deposits / shares | $283.9M | $67.0M |
| Capital ratio | 8.82% | 34.07% (stronger) |
| Problem loans | 0.78% | 0.43% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.01% | 2.90% (stronger) |
| Loans ÷ deposits | 88.5% (stronger) | 154.7% |
| Uninsured deposits | 23.1% | 16.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 18.9% |
Spring Valley Bank has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bath State Bank leads on 1 and Spring Valley Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.