Side-by-side · Q2 2026 data
Fredonia Valley Bank vs Bank of the Mountains, Inc.
Metric by metric
| Measure | Fredonia Valley Bank | Bank of the Mountains, Inc. |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 65 (stronger) | 42 |
| Loan quality | 60 | 81 (stronger) |
| Earnings | 57 (stronger) | 51 |
| Funding & liquidity | 89 (stronger) | 76 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 37th | 26th |
| Total assets | $119.8M | $100.0M |
| Deposits / shares | $105.5M | $88.0M |
| Capital ratio | 11.49% (stronger) | 9.23% |
| Problem loans | 1.19% | 0.57% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.93% (stronger) | 0.77% |
| Loans ÷ deposits | 68.3% (stronger) | 84.7% |
| Uninsured deposits | 17.8% | 13.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fredonia Valley Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Fredonia Valley Bank leads on 5 and Bank of the Mountains, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.