Side-by-side · Q2 2026 data
Spring Valley City Bank vs Peru Federal Savings Bank
Metric by metric
| Measure | Spring Valley City Bank | Peru Federal Savings Bank |
|---|---|---|
| TellerScore | 84 | 87 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 54 (stronger) | 51 |
| Funding & liquidity | 89 | 96 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 86th | 91st |
| Total assets | $207.0M | $208.5M |
| Deposits / shares | $179.1M | $172.8M |
| Capital ratio | 13.86% | 16.43% (stronger) |
| Problem loans | 0.18% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.84% (stronger) | 0.77% |
| Loans ÷ deposits | 69.1% | 64.5% (stronger) |
| Uninsured deposits | 17.3% | 13.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peru Federal Savings Bank has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 3 and Peru Federal Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.