Side-by-side · Q2 2026 data
Springs Valley Bank & Trust Company vs The North Salem State Bank
Metric by metric
| Measure | Springs Valley Bank & Trust Company | The North Salem State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 75 (stronger) | 40 |
| Loan quality | 95 (stronger) | 78 |
| Earnings | 94 (stronger) | 86 |
| Funding & liquidity | 43 (stronger) | 40 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 80th | 26th |
| Total assets | $675.3M | $769.6M |
| Deposits / shares | $589.6M | $687.9M |
| Capital ratio | 12.50% (stronger) | 8.98% |
| Problem loans | 0.14% (stronger) | 0.67% |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 1.85% (stronger) | 1.65% |
| Loans ÷ deposits | 86.4% (stronger) | 89.7% |
| Uninsured deposits | 42.5% (stronger) | 43.0% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
Springs Valley Bank & Trust Company has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Springs Valley Bank & Trust Company leads on 7 and The North Salem State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.