Side-by-side · Q2 2026 data
Frederick Community Bank, The vs Vermilion Valley Bank
Metric by metric
| Measure | Frederick Community Bank, The | Vermilion Valley Bank |
|---|---|---|
| TellerScore | 84 | 96 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 99th |
| Total assets | $196.1M | $198.2M |
| Deposits / shares | $174.9M | $160.1M |
| Capital ratio | 10.44% | 16.70% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 2.20% (stronger) | 1.91% |
| Loans ÷ deposits | 54.1% (stronger) | 71.0% |
| Uninsured deposits | 28.8% | 20.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Vermilion Valley Bank has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Frederick Community Bank, The leads on 3 and Vermilion Valley Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.