Side-by-side · Q2 2026 data
Community Neighbor Bank vs Valley State Bank
Metric by metric
| Measure | Community Neighbor Bank | Valley State Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 57 | 68 (stronger) |
| Earnings | 76 (stronger) | 75 |
| Funding & liquidity | 85 (stronger) | 69 |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 40th | 82nd |
| Total assets | $193.2M | $169.5M |
| Deposits / shares | $171.7M | $139.4M |
| Capital ratio | 11.13% | 17.80% (stronger) |
| Problem loans | 1.30% | 0.97% (stronger) |
| Net charge-offs | 0.21% | 0.01% (stronger) |
| Return on assets | 1.39% (stronger) | 1.37% |
| Loans ÷ deposits | 58.9% (stronger) | 62.9% |
| Uninsured deposits | 28.6% (stronger) | 40.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley State Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Community Neighbor Bank leads on 3 and Valley State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.