Side-by-side · Q2 2026 data
Mountain Valley Bank vs The Dolores State Bank
Metric by metric
| Measure | Mountain Valley Bank | The Dolores State Bank |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 94 (stronger) | 66 |
| Earnings | 56 | 94 (stronger) |
| Funding & liquidity | 55 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 40th | 86th |
| Total assets | $556.5M | $456.3M |
| Deposits / shares | $445.4M | $357.3M |
| Capital ratio | 10.50% | 15.64% (stronger) |
| Problem loans | 0.19% (stronger) | 1.02% |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 0.91% | 1.86% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 92.3% |
| Uninsured deposits | 28.1% | 17.4% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
The Dolores State Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 2 and The Dolores State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.