Side-by-side · Q2 2026 data
The Cincinnatus Savings & Loan Co. vs Valley Central Bank
Metric by metric
| Measure | The Cincinnatus Savings & Loan Co. | Valley Central Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 62 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 28 |
| Earnings | 57 (stronger) | 34 |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 86th | 22nd |
| Total assets | $193.1M | $186.7M |
| Deposits / shares | $163.0M | $146.0M |
| Capital ratio | 15.26% | 20.06% (stronger) |
| Problem loans | 0.26% (stronger) | 2.17% |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 0.93% (stronger) | 0.35% |
| Loans ÷ deposits | 77.9% (stronger) | 96.3% |
| Uninsured deposits | 29.1% | 16.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
The Cincinnatus Savings & Loan Co. has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Cincinnatus Savings & Loan Co. leads on 5 and Valley Central Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.