Side-by-side · Q2 2026 data
Peoples State Bank of Velva vs Horizon Financial Bank
Metric by metric
| Measure | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 43 | 58 (stronger) |
| Loan quality | 97 (stronger) | 55 |
| Earnings | 83 (stronger) | 59 |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 53rd | 20th |
| Total assets | $210.0M | $201.0M |
| Deposits / shares | $184.4M | $178.5M |
| Capital ratio | 9.31% | 10.78% (stronger) |
| Problem loans | 0.10% (stronger) | 1.34% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.58% (stronger) | 0.97% |
| Loans ÷ deposits | 81.8% (stronger) | 83.5% |
| Uninsured deposits | 27.2% (stronger) | 27.6% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank of Velva has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 5 and Horizon Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.