Side-by-side · Q2 2026 data
First Bethany Bank & Trust vs Valor Bank
Metric by metric
| Measure | First Bethany Bank & Trust | Valor Bank |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 41 (stronger) | 37 |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 55 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 47th | 47th |
| Total assets | $316.8M | $302.6M |
| Deposits / shares | $272.9M | $262.1M |
| Capital ratio | 9.10% (stronger) | 8.70% |
| Problem loans | 0.18% (stronger) | 0.32% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.19% | 2.15% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 99.8% |
| Uninsured deposits | 22.3% | 19.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | 1.9% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bethany Bank & Trust leads on 4 and Valor Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.