Side-by-side · Q2 2026 data
Mountain Valley Bank vs Sonata Bank
Metric by metric
| Measure | Mountain Valley Bank | Sonata Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 82 | 83 (stronger) |
| Earnings | 40 (stronger) | 28 |
| Funding & liquidity | 60 (stronger) | 44 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 22nd | 14th |
| Total assets | $254.6M | $281.5M |
| Deposits / shares | $198.9M | $247.6M |
| Capital ratio | 10.02% | 10.12% (stronger) |
| Problem loans | 0.54% | 0.52% (stronger) |
| Net charge-offs | 0.41% | 0.00% (stronger) |
| Return on assets | 0.51% (stronger) | 0.20% |
| Loans ÷ deposits | 100.7% | 98.6% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 31.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mountain Valley Bank has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 3 and Sonata Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.