Side-by-side · Q2 2026 data
Mountain Valley Bank vs Union Bank
Metric by metric
| Measure | Mountain Valley Bank | Union Bank |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 50 | 57 (stronger) |
| Loan quality | 82 | 84 (stronger) |
| Earnings | 40 | 40 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 22nd | 47th |
| Total assets | $254.6M | $247.0M |
| Deposits / shares | $198.9M | $223.5M |
| Capital ratio | 10.02% | 10.68% (stronger) |
| Problem loans | 0.54% | 0.49% (stronger) |
| Net charge-offs | 0.41% | 0.03% (stronger) |
| Return on assets | 0.51% | 0.51% (stronger) |
| Loans ÷ deposits | 100.7% | 44.2% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 15.6% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Bank has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 1 and Union Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.