Side-by-side · Q2 2026 data
Grand Valley Bank vs Varo Bank, National Association
Metric by metric
| Measure | Grand Valley Bank | Varo Bank, National Association |
|---|---|---|
| TellerScore | 82 (stronger) | 76 |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 82nd | 64th |
| Total assets | $599.4M | $337.8M |
| Deposits / shares | $541.3M | $209.8M |
| Capital ratio | 11.47% | 18.46% (stronger) |
| Problem loans | 0.02% (stronger) | 0.42% |
| Net charge-offs | 0.01% (stronger) | 29.60% |
| Return on assets | 1.19% (stronger) | -25.68% |
| Loans ÷ deposits | 52.0% | 41.6% (stronger) |
| Uninsured deposits | 21.7% | 1.7% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Grand Valley Bank has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Grand Valley Bank leads on 4 and Varo Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.