Side-by-side · Q2 2026 data
Mountain Valley Bank, N.A. vs Highlands Bank
Metric by metric
| Measure | Mountain Valley Bank, N.A. | Highlands Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 86 (stronger) | 60 |
| Loan quality | 94 (stronger) | 70 |
| Earnings | 76 (stronger) | 71 |
| Funding & liquidity | 87 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 91st | 40th |
| Total assets | $201.9M | $407.1M |
| Deposits / shares | $175.1M | $356.8M |
| Capital ratio | 13.65% (stronger) | 11.00% |
| Problem loans | 0.19% (stronger) | 0.91% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 1.27% |
| Loans ÷ deposits | 72.9% (stronger) | 85.8% |
| Uninsured deposits | 11.6% (stronger) | 18.3% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Mountain Valley Bank, N.A. has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank, N.A. leads on 6 and Highlands Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.