Side-by-side · Q2 2026 data
Community Spirit Bank vs Valley State Bank
Metric by metric
| Measure | Community Spirit Bank | Valley State Bank |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 75 | 75 |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 68th | 82nd |
| Total assets | $228.8M | $169.5M |
| Deposits / shares | $205.7M | $139.4M |
| Capital ratio | 9.73% | 17.80% (stronger) |
| Problem loans | 0.00% (stronger) | 0.97% |
| Net charge-offs | 0.34% | 0.01% (stronger) |
| Return on assets | 1.39% (stronger) | 1.37% |
| Loans ÷ deposits | 72.5% | 62.9% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 40.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley State Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 3 and Valley State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Red Bay, AL
- Russellville, AL