Side-by-side · Q2 2026 data
Cedar Valley Bank & Trust vs Chelsea Savings Bank
Metric by metric
| Measure | Cedar Valley Bank & Trust | Chelsea Savings Bank |
|---|---|---|
| TellerScore | 54 | 93 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 58 | 92 (stronger) |
| Earnings | 76 | 90 (stronger) |
| Funding & liquidity | 34 | 84 (stronger) |
| Problem-loan coverage | 68 | 98 (stronger) |
| Peer percentile | 10th | 98th |
| Total assets | $126.3M | $196.9M |
| Deposits / shares | $114.5M | $173.8M |
| Capital ratio | 9.01% | 16.01% (stronger) |
| Problem loans | 1.27% | 0.24% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.40% | 1.75% (stronger) |
| Loans ÷ deposits | 98.0% | 48.2% (stronger) |
| Uninsured deposits | 40.4% | 29.8% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 0.0% |
Chelsea Savings Bank has the higher TellerScore (93 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Cedar Valley Bank & Trust leads on 0 and Chelsea Savings Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.