Side-by-side · Q2 2026 data
Spring Valley City Bank vs Milledgeville State Bank
Metric by metric
| Measure | Spring Valley City Bank | Milledgeville State Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 89 (stronger) | 55 |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 54 (stronger) | 52 |
| Funding & liquidity | 89 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 86th | 47th |
| Total assets | $207.0M | $215.2M |
| Deposits / shares | $179.1M | $170.6M |
| Capital ratio | 13.86% (stronger) | 10.48% |
| Problem loans | 0.18% (stronger) | 0.28% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.84% (stronger) | 0.80% |
| Loans ÷ deposits | 69.1% (stronger) | 81.0% |
| Uninsured deposits | 17.3% | 11.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 5 and Milledgeville State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.