Side-by-side · Q2 2026 data
Spring Valley City Bank vs OSB Community Bank
Metric by metric
| Measure | Spring Valley City Bank | OSB Community Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 69 |
| Capital cushion | 89 (stronger) | 66 |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 54 | 58 (stronger) |
| Funding & liquidity | 89 (stronger) | 42 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 86th | 40th |
| Total assets | $207.0M | $355.6M |
| Deposits / shares | $179.1M | $293.5M |
| Capital ratio | 13.86% (stronger) | 11.64% |
| Problem loans | 0.18% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.84% | 0.95% (stronger) |
| Loans ÷ deposits | 69.1% (stronger) | 104.1% |
| Uninsured deposits | 17.3% (stronger) | 27.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 6 and OSB Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.