Side-by-side · Q2 2026 data
Southwest National Bank vs The Valley State Bank
Metric by metric
| Measure | Southwest National Bank | The Valley State Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 53 | 72 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 65 (stronger) | 42 |
| Funding & liquidity | 48 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 43rd | 72nd |
| Total assets | $502.1M | $200.5M |
| Deposits / shares | $403.8M | $174.0M |
| Capital ratio | 10.32% | 12.18% (stronger) |
| Problem loans | 0.08% (stronger) | 0.09% |
| Net charge-offs | 0.28% (stronger) | 1.24% |
| Return on assets | 1.13% (stronger) | 0.55% |
| Loans ÷ deposits | 106.5% | 62.1% (stronger) |
| Uninsured deposits | 20.4% (stronger) | 20.8% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 18.6% |
The Valley State Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southwest National Bank leads on 4 and The Valley State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.