Side-by-side · Q2 2026 data
Belt Valley Bank vs Independence Bank
Metric by metric
| Measure | Belt Valley Bank | Independence Bank |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 98 (stronger) | 84 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 62 (stronger) | 55 |
| Problem-loan coverage | 60 | 94 (stronger) |
| Peer percentile | 26th | 95th |
| Total assets | $89.9M | $1.4B |
| Deposits / shares | $74.0M | $1.2B |
| Capital ratio | 14.83% (stronger) | 13.39% |
| Problem loans | 3.85% | 0.46% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.01% (stronger) | 1.93% |
| Loans ÷ deposits | 98.7% | 91.1% (stronger) |
| Uninsured deposits | 7.5% (stronger) | 28.2% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 9.9% |
Independence Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Belt Valley Bank leads on 3 and Independence Bank on 4. 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.