Side-by-side · Q2 2026 data
Scott State Bank vs Spring Valley City Bank
Metric by metric
| Measure | Scott State Bank | Spring Valley City Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 87 | 89 (stronger) |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 65 (stronger) | 54 |
| Funding & liquidity | 92 (stronger) | 89 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 90th | 86th |
| Total assets | $203.5M | $207.0M |
| Deposits / shares | $178.0M | $179.1M |
| Capital ratio | 13.67% | 13.86% (stronger) |
| Problem loans | 0.24% | 0.18% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.84% |
| Loans ÷ deposits | 65.5% (stronger) | 69.1% |
| Uninsured deposits | 17.9% | 17.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Scott State Bank has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 3 and Spring Valley City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.