Side-by-side · Q2 2026 data
North Valley Bank vs German American Bank
Metric by metric
| Measure | North Valley Bank | German American Bank |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 51 | 62 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 62 | 91 (stronger) |
| Funding & liquidity | 62 (stronger) | 46 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 29th | 77th |
| Total assets | $426.9M | $8.4B |
| Deposits / shares | $374.9M | $7.1B |
| Capital ratio | 10.05% | 11.19% (stronger) |
| Problem loans | 0.68% | 0.45% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.06% |
| Return on assets | 1.04% | 1.76% (stronger) |
| Loans ÷ deposits | 86.4% | 83.0% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 42.8% |
| Offices | 10 | 89 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | 17.2% |
German American Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 2 and German American Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.