Side-by-side · Q2 2026 data
Security State Bank of Warroad vs Valley Premier Bank
Metric by metric
| Measure | Security State Bank of Warroad | Valley Premier Bank |
|---|---|---|
| TellerScore | 62 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 48 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 22nd | 80th |
| Total assets | $138.3M | $141.0M |
| Deposits / shares | $119.9M | $127.7M |
| Capital ratio | 16.41% (stronger) | 11.13% |
| Problem loans | 4.17% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 0.69% | 1.44% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 70.1% |
| Uninsured deposits | 14.6% (stronger) | 22.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Valley Premier Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank of Warroad leads on 3 and Valley Premier Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.