Side-by-side · Q2 2026 data
First State Bank vs Valley Bank of Commerce
Metric by metric
| Measure | First State Bank | Valley Bank of Commerce |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 93 | 95 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 60 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 86th | 26th |
| Total assets | $188.0M | $304.1M |
| Deposits / shares | $160.5M | $260.2M |
| Capital ratio | 14.27% | 14.47% (stronger) |
| Problem loans | 0.03% (stronger) | 3.32% |
| Net charge-offs | -0.05% | -0.15% (stronger) |
| Return on assets | 1.01% | 3.53% (stronger) |
| Loans ÷ deposits | 6.5% (stronger) | 59.6% |
| Uninsured deposits | 50.9% (stronger) | 57.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Valley Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.