Side-by-side · Q2 2026 data
State Bank of Cherry vs Spring Valley City Bank
Metric by metric
| Measure | State Bank of Cherry | Spring Valley City Bank |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 66 | 89 (stronger) |
| Loan quality | 83 | 94 (stronger) |
| Earnings | 56 (stronger) | 54 |
| Funding & liquidity | 72 | 89 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 50th | 86th |
| Total assets | $137.6M | $207.0M |
| Deposits / shares | $105.5M | $179.1M |
| Capital ratio | 11.63% | 13.86% (stronger) |
| Problem loans | 0.50% | 0.18% (stronger) |
| Net charge-offs | 1.09% | 0.00% (stronger) |
| Return on assets | 0.89% (stronger) | 0.84% |
| Loans ÷ deposits | 87.1% | 69.1% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 17.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cherry leads on 2 and Spring Valley City Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.