Side-by-side · Q2 2026 data
North Valley Bank vs The Home Loan Savings Bank
Metric by metric
| Measure | North Valley Bank | The Home Loan Savings Bank |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 51 | 67 (stronger) |
| Loan quality | 77 | 81 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 47 |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 29th | 68th |
| Total assets | $426.9M | $386.7M |
| Deposits / shares | $374.9M | $320.6M |
| Capital ratio | 10.05% | 11.68% (stronger) |
| Problem loans | 0.68% | 0.58% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.09% |
| Return on assets | 1.04% | 2.45% (stronger) |
| Loans ÷ deposits | 86.4% (stronger) | 108.7% |
| Uninsured deposits | 26.0% | 19.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | 2.7% |
The Home Loan Savings Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 2 and The Home Loan Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.