Side-by-side · Q2 2026 data
Mechanics Bank vs Pacific Valley Bank
Metric by metric
| Measure | Mechanics Bank | Pacific Valley Bank |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 44 | 76 (stronger) |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 60 (stronger) | 55 |
| Funding & liquidity | 55 (stronger) | 26 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 54th | 43rd |
| Total assets | $21.2B | $653.3M |
| Deposits / shares | $18.1B | $570.5M |
| Capital ratio | 9.38% | 12.60% (stronger) |
| Problem loans | 0.41% | 0.24% (stronger) |
| Net charge-offs | 0.11% | -0.02% (stronger) |
| Return on assets | 0.99% (stronger) | 0.87% |
| Loans ÷ deposits | 74.2% (stronger) | 94.5% |
| Uninsured deposits | 42.9% (stronger) | 50.7% |
| Offices | 166 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Pacific Valley Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 3 and Pacific Valley Bank on 4. 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.
Where both have branches
- Salinas, CA
- King City, CA
- Monterey, CA