Side-by-side · Q2 2026 data
First National Bank Colorado vs Mountain Valley Bank
Metric by metric
| Measure | First National Bank Colorado | Mountain Valley Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 68 (stronger) | 55 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 63 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 88th | 40th |
| Total assets | $634.3M | $556.5M |
| Deposits / shares | $532.4M | $445.4M |
| Capital ratio | 11.76% (stronger) | 10.50% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 2.08% (stronger) | 0.91% |
| Loans ÷ deposits | 77.3% (stronger) | 91.1% |
| Uninsured deposits | 32.6% | 28.1% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 5.3% |
First National Bank Colorado has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Colorado leads on 6 and Mountain Valley Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.