Side-by-side · Q2 2026 data
Security State Bank vs Valor Bank
Metric by metric
| Measure | Security State Bank | Valor Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 57 (stronger) | 37 |
| Loan quality | 78 | 89 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 74 (stronger) | 55 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 68th | 47th |
| Total assets | $279.5M | $302.6M |
| Deposits / shares | $247.9M | $262.1M |
| Capital ratio | 10.73% (stronger) | 8.70% |
| Problem loans | 0.67% | 0.32% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.14% | 2.15% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 99.8% |
| Uninsured deposits | 30.2% | 19.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
Security State Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 3 and Valor Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.