Side-by-side · Q2 2026 data
Spring Valley City Bank vs North Central Bank
Metric by metric
| Measure | Spring Valley City Bank | North Central Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 82 |
| Capital cushion | 89 (stronger) | 73 |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 54 | 73 (stronger) |
| Funding & liquidity | 89 (stronger) | 86 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 86th | 82nd |
| Total assets | $207.0M | $165.9M |
| Deposits / shares | $179.1M | $144.7M |
| Capital ratio | 13.86% (stronger) | 12.26% |
| Problem loans | 0.18% (stronger) | 0.26% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.84% | 1.33% (stronger) |
| Loans ÷ deposits | 69.1% | 58.5% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 27.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 4 and North Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.