Side-by-side · Q2 2026 data
Emprise Bank vs Cottonwood Valley Bank
Metric by metric
| Measure | Emprise Bank | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 27 | 94 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 83 (stronger) | 57 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 40th | 89th |
| Total assets | $2.8B | $38.1M |
| Deposits / shares | $2.5B | $32.7M |
| Capital ratio | 7.69% | 14.39% (stronger) |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | 0.08% | -0.16% (stronger) |
| Return on assets | 1.58% (stronger) | 0.93% |
| Loans ÷ deposits | 80.0% | 17.9% (stronger) |
| Uninsured deposits | 28.2% | 10.7% (stronger) |
| Offices | 31 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Emprise Bank leads on 1 and Cottonwood Valley Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.