Side-by-side · Q2 2026 data
Mountain Valley Bank vs Farmers State Bank
Metric by metric
| Measure | Mountain Valley Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 50 | 76 (stronger) |
| Loan quality | 82 (stronger) | 72 |
| Earnings | 40 | 51 (stronger) |
| Funding & liquidity | 60 | 85 (stronger) |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 22nd | 53rd |
| Total assets | $254.6M | $232.6M |
| Deposits / shares | $198.9M | $194.3M |
| Capital ratio | 10.02% | 12.63% (stronger) |
| Problem loans | 0.54% (stronger) | 0.83% |
| Net charge-offs | 0.41% | 0.02% (stronger) |
| Return on assets | 0.51% | 0.77% (stronger) |
| Loans ÷ deposits | 100.7% | 75.1% (stronger) |
| Uninsured deposits | 13.5% | 9.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 1 and Farmers State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.