Side-by-side · Q2 2026 data
ESB Financial vs Cottonwood Valley Bank
Metric by metric
| Measure | ESB Financial | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 59 | 90 (stronger) |
| Capital cushion | 41 | 94 (stronger) |
| Loan quality | 47 | 100 (stronger) |
| Earnings | 88 (stronger) | 57 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 17th | 89th |
| Total assets | $381.3M | $38.1M |
| Deposits / shares | $335.9M | $32.7M |
| Capital ratio | 9.07% | 14.39% (stronger) |
| Problem loans | 1.58% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.16% (stronger) |
| Return on assets | 1.69% (stronger) | 0.93% |
| Loans ÷ deposits | 80.2% | 17.9% (stronger) |
| Uninsured deposits | 26.7% | 10.7% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), ESB Financial 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.