Side-by-side · Q2 2026 data
North Valley Bank vs The St. Henry Bank
Metric by metric
| Measure | North Valley Bank | The St. Henry Bank |
|---|---|---|
| TellerScore | 65 | 92 (stronger) |
| Capital cushion | 51 | 86 (stronger) |
| Loan quality | 77 | 97 (stronger) |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 62 | 77 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 29th | 97th |
| Total assets | $426.9M | $435.6M |
| Deposits / shares | $374.9M | $384.5M |
| Capital ratio | 10.05% | 13.61% (stronger) |
| Problem loans | 0.68% | 0.10% (stronger) |
| Net charge-offs | 0.05% | -0.16% (stronger) |
| Return on assets | 1.04% | 2.57% (stronger) |
| Loans ÷ deposits | 86.4% | 63.6% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 32.3% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | — |
The St. Henry Bank has the higher TellerScore (92 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 1 and The St. Henry Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.