Side-by-side · Q2 2026 data
Bonanza Valley State Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Bonanza Valley State Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 98 (stronger) | 47 |
| Earnings | 68 | 84 (stronger) |
| Funding & liquidity | 42 | 94 (stronger) |
| Problem-loan coverage | 99 (stronger) | 81 |
| Peer percentile | 33rd | 28th |
| Total assets | $74.8M | $81.7M |
| Deposits / shares | $59.5M | $73.8M |
| Capital ratio | 9.73% | 10.06% (stronger) |
| Problem loans | 0.06% (stronger) | 1.60% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.20% | 1.60% (stronger) |
| Loans ÷ deposits | 106.7% | 63.9% (stronger) |
| Uninsured deposits | 25.4% | 17.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bonanza Valley State Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bonanza Valley State Bank leads on 2 and State Bank of Cold Spring on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.