Side-by-side · Q2 2026 data
Sooner State Bank vs Valor Bank
Metric by metric
| Measure | Sooner State Bank | Valor Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 71 |
| Capital cushion | 78 (stronger) | 37 |
| Loan quality | 89 | 89 |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 (stronger) | 55 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 90th | 47th |
| Total assets | $354.6M | $302.6M |
| Deposits / shares | $311.0M | $262.1M |
| Capital ratio | 12.75% (stronger) | 8.70% |
| Problem loans | 0.33% | 0.32% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.06% | 2.15% (stronger) |
| Loans ÷ deposits | 73.8% (stronger) | 99.8% |
| Uninsured deposits | 29.6% | 19.8% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.8% | 1.9% |
Sooner State Bank has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sooner State Bank leads on 3 and Valor Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.