Side-by-side · Q2 2026 data
Citizens Federal Savings and Loan Association vs Valley Central Bank
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Citizens Federal Savings and Loan Association | Valley Central Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 99 (stronger) | 28 |
| Earnings | 38 (stronger) | 34 |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 43rd | 22nd |
| Total assets | $186.1M | $186.7M |
| Deposits / shares | $161.3M | $146.0M |
| Capital ratio | 10.90% | 20.06% (stronger) |
| Problem loans | 0.03% (stronger) | 2.17% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.45% (stronger) | 0.35% |
| Loans ÷ deposits | 91.1% (stronger) | 96.3% |
| Uninsured deposits | 16.6% | 16.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Citizens Federal Savings and Loan Association has the higher TellerScore (70 vs 62). On the 6 directional measures above (where higher or lower is clearly better), Citizens Federal Savings and Loan Association leads on 4 and Valley Central Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.