Side-by-side · Q2 2026 data
First State Bank of Forsyth vs Valley Bank of Ronan
Metric by metric
| Measure | First State Bank of Forsyth | Valley Bank of Ronan |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 71 (stronger) | 43 |
| Loan quality | 44 | 91 (stronger) |
| Earnings | 91 (stronger) | 53 |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 47th | 40th |
| Total assets | $165.5M | $218.1M |
| Deposits / shares | $143.4M | $197.6M |
| Capital ratio | 12.08% (stronger) | 9.29% |
| Problem loans | 1.69% | 0.26% (stronger) |
| Net charge-offs | -0.23% (stronger) | 0.06% |
| Return on assets | 1.77% (stronger) | 0.83% |
| Loans ÷ deposits | 62.3% (stronger) | 74.9% |
| Uninsured deposits | 27.0% | 12.6% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Forsyth has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Forsyth leads on 5 and Valley Bank of Ronan on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.