Side-by-side · Q2 2026 data
Mountain Valley Bank vs High Country Bank
Metric by metric
| Measure | Mountain Valley Bank | High Country Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 56 |
| Capital cushion | 55 (stronger) | 46 |
| Loan quality | 94 (stronger) | 55 |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 55 | 56 (stronger) |
| Problem-loan coverage | 98 (stronger) | 78 |
| Peer percentile | 40th | 13th |
| Total assets | $556.5M | $528.5M |
| Deposits / shares | $445.4M | $450.5M |
| Capital ratio | 10.50% (stronger) | 9.62% |
| Problem loans | 0.19% (stronger) | 1.34% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.08% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 97.8% |
| Uninsured deposits | 28.1% | 20.7% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 6.4% |
Mountain Valley Bank has the higher TellerScore (69 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 4 and High Country Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.