Side-by-side · Q2 2026 data
Phelps County Bank vs Verimore Bank
Metric by metric
| Measure | Phelps County Bank | Verimore Bank |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 39 | 56 (stronger) |
| Loan quality | 61 | 91 (stronger) |
| Earnings | 75 | 97 (stronger) |
| Funding & liquidity | 72 (stronger) | 51 |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 20th | 64th |
| Total assets | $621.7M | $639.1M |
| Deposits / shares | $565.5M | $549.5M |
| Capital ratio | 8.88% | 10.62% (stronger) |
| Problem loans | 1.16% | 0.26% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.36% | 1.92% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 93.6% |
| Uninsured deposits | 19.8% (stronger) | 29.6% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Verimore Bank has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Phelps County Bank leads on 2 and Verimore Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.