Side-by-side · Q2 2026 data
First National Bank vs Valley State Bank
Metric by metric
| Measure | First National Bank | Valley State Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 68 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 93 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 100th | 82nd |
| Total assets | $372.7M | $169.5M |
| Deposits / shares | $305.5M | $139.4M |
| Capital ratio | 18.99% (stronger) | 17.80% |
| Problem loans | 0.25% (stronger) | 0.97% |
| Net charge-offs | 0.30% | 0.01% (stronger) |
| Return on assets | 2.51% (stronger) | 1.37% |
| Loans ÷ deposits | 47.4% (stronger) | 62.9% |
| Uninsured deposits | 21.9% (stronger) | 40.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank has the higher TellerScore (97 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 6 and Valley State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.