Side-by-side · Q2 2026 data
The Commercial Bank vs Vallant Bank
Metric by metric
| Measure | The Commercial Bank | Vallant Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 57 | 77 (stronger) |
| Loan quality | 94 (stronger) | 83 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 61 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 75th | 86th |
| Total assets | $463.7M | $4.0B |
| Deposits / shares | $419.2M | $3.5B |
| Capital ratio | 10.72% | 12.70% (stronger) |
| Problem loans | 0.17% (stronger) | 0.51% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 3.14% (stronger) | 1.33% |
| Loans ÷ deposits | 81.7% (stronger) | 85.2% |
| Uninsured deposits | 30.6% | 20.6% (stronger) |
| Offices | 5 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
The Commercial Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 5 and Vallant Bank on 2. 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.