Side-by-side · Q2 2026 data
Springs Valley Bank & Trust Company vs Spencer County Bank
Metric by metric
| Measure | Springs Valley Bank & Trust Company | Spencer County Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 58 |
| Capital cushion | 75 | 96 (stronger) |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 94 (stronger) | 51 |
| Funding & liquidity | 43 | 79 (stronger) |
| Problem-loan coverage | 98 (stronger) | 75 |
| Peer percentile | 80th | 16th |
| Total assets | $675.3M | $131.2M |
| Deposits / shares | $589.6M | $111.6M |
| Capital ratio | 12.50% | 14.57% (stronger) |
| Problem loans | 0.14% (stronger) | 3.00% |
| Net charge-offs | -0.11% (stronger) | 0.01% |
| Return on assets | 1.85% (stronger) | 0.79% |
| Loans ÷ deposits | 86.4% | 69.9% (stronger) |
| Uninsured deposits | 42.5% | 25.1% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Springs Valley Bank & Trust Company has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Springs Valley Bank & Trust Company leads on 4 and Spencer County Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.