Side-by-side · Q2 2026 data
McClain Bank vs Valor Bank
Metric by metric
| Measure | McClain Bank | Valor Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 45 (stronger) | 37 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 55 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 64th | 47th |
| Total assets | $294.0M | $302.6M |
| Deposits / shares | $265.8M | $262.1M |
| Capital ratio | 9.52% (stronger) | 8.70% |
| Problem loans | 0.28% (stronger) | 0.32% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.70% | 2.15% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 99.8% |
| Uninsured deposits | 17.6% (stronger) | 19.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 1.9% |
McClain Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), McClain Bank leads on 5 and Valor Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.