Side-by-side · Q2 2026 data
Intrust Bank, National Association vs The Valley State Bank
Metric by metric
| Measure | Intrust Bank, National Association | The Valley State Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 58 | 72 (stronger) |
| Loan quality | 80 | 97 (stronger) |
| Earnings | 76 (stronger) | 42 |
| Funding & liquidity | 77 | 92 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 70th | 72nd |
| Total assets | $6.8B | $200.5M |
| Deposits / shares | $6.0B | $174.0M |
| Capital ratio | 10.76% | 12.18% (stronger) |
| Problem loans | 0.60% | 0.09% (stronger) |
| Net charge-offs | 0.04% (stronger) | 1.24% |
| Return on assets | 1.40% (stronger) | 0.55% |
| Loans ÷ deposits | 72.3% | 62.1% (stronger) |
| Uninsured deposits | 24.5% | 20.8% (stronger) |
| Offices | 40 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.9% | 18.6% |
The Valley State Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Intrust Bank, National Association leads on 2 and The Valley State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.