Side-by-side · Q2 2026 data
First American Bank vs Valley Bank of Commerce
Metric by metric
| Measure | First American Bank | Valley Bank of Commerce |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 68 | 95 (stronger) |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 100 | 100 |
| Funding & liquidity | 63 (stronger) | 54 |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 90th | 26th |
| Total assets | $1.9B | $304.1M |
| Deposits / shares | $1.6B | $260.2M |
| Capital ratio | 11.79% | 14.47% (stronger) |
| Problem loans | 0.53% (stronger) | 3.32% |
| Net charge-offs | 0.00% | -0.15% (stronger) |
| Return on assets | 2.89% | 3.53% (stronger) |
| Loans ÷ deposits | 70.3% | 59.6% (stronger) |
| Uninsured deposits | 38.8% (stronger) | 57.0% |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
First American Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 3 and Valley Bank of Commerce on 4. 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.