Side-by-side · Q2 2026 data
Fredonia Valley Bank vs The Peoples Bank
Metric by metric
| Measure | Fredonia Valley Bank | The Peoples Bank |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 65 | 66 (stronger) |
| Loan quality | 60 | 92 (stronger) |
| Earnings | 57 (stronger) | 55 |
| Funding & liquidity | 89 (stronger) | 69 |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 37th | 53rd |
| Total assets | $119.8M | $135.3M |
| Deposits / shares | $105.5M | $119.4M |
| Capital ratio | 11.49% | 11.55% (stronger) |
| Problem loans | 1.19% | 0.23% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 0.93% (stronger) | 0.87% |
| Loans ÷ deposits | 68.3% (stronger) | 91.5% |
| Uninsured deposits | 17.8% | 11.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fredonia Valley Bank leads on 3 and The Peoples Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.