Side-by-side · Q2 2026 data
Palo Savings Bank vs Cedar Valley Bank & Trust
Metric by metric
| Measure | Palo Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| TellerScore | 81 (stronger) | 54 |
| Capital cushion | 67 (stronger) | 40 |
| Loan quality | 94 (stronger) | 58 |
| Earnings | 65 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 34 |
| Problem-loan coverage | 98 (stronger) | 68 |
| Peer percentile | 68th | 10th |
| Total assets | $49.2M | $126.3M |
| Deposits / shares | $45.3M | $114.5M |
| Capital ratio | 11.71% (stronger) | 9.01% |
| Problem loans | 0.19% (stronger) | 1.27% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.14% | 1.40% (stronger) |
| Loans ÷ deposits | 47.7% (stronger) | 98.0% |
| Uninsured deposits | 14.2% (stronger) | 40.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Palo Savings Bank has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Palo Savings Bank leads on 6 and Cedar Valley Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.