Side-by-side · Q2 2026 data
Patrons Bank, National Association vs Valor Bank
Metric by metric
| Measure | Patrons Bank, National Association | Valor Bank |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 58 (stronger) | 37 |
| Loan quality | 73 | 89 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 55 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 40th | 47th |
| Total assets | $314.5M | $302.6M |
| Deposits / shares | $275.4M | $262.1M |
| Capital ratio | 10.77% (stronger) | 8.70% |
| Problem loans | 0.80% | 0.32% (stronger) |
| Net charge-offs | -0.31% (stronger) | 0.00% |
| Return on assets | 1.08% | 2.15% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 99.8% |
| Uninsured deposits | 27.2% | 19.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 1.9% |
Valor Bank has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Patrons Bank, National Association leads on 3 and Valor Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.