Side-by-side · Q2 2026 data
The Bank of Magnolia Company vs Spring Valley Bank
Metric by metric
| Measure | The Bank of Magnolia Company | Spring Valley Bank |
|---|---|---|
| TellerScore | 89 | 89 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 49 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 94th | 94th |
| Total assets | $107.8M | $113.6M |
| Deposits / shares | $92.8M | $67.0M |
| Capital ratio | 12.96% | 34.07% (stronger) |
| Problem loans | 0.12% (stronger) | 0.43% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.71% | 2.90% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 154.7% |
| Uninsured deposits | 13.9% (stronger) | 16.2% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.9% |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), The Bank of Magnolia Company leads on 3 and Spring Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.