Side-by-side · Q2 2026 data
Mountain Valley Bank vs Homeland Community Bank
Metric by metric
| Measure | Mountain Valley Bank | Homeland Community Bank |
|---|---|---|
| TellerScore | 62 | 67 (stronger) |
| Capital cushion | 50 (stronger) | 35 |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 40 | 56 (stronger) |
| Funding & liquidity | 60 | 93 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 22nd | 34th |
| Total assets | $254.6M | $244.1M |
| Deposits / shares | $198.9M | $227.2M |
| Capital ratio | 10.02% (stronger) | 8.46% |
| Problem loans | 0.54% | 0.36% (stronger) |
| Net charge-offs | 0.41% | 0.01% (stronger) |
| Return on assets | 0.51% | 0.91% (stronger) |
| Loans ÷ deposits | 100.7% | 59.8% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 21.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Homeland Community Bank has the higher TellerScore (67 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 2 and Homeland Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.