Side-by-side · Q2 2026 data
The Fidelity State Bank and Trust Company vs The Valley State Bank
Bank
The Fidelity State Bank and Trust Company
Dodge City, Kansas · $100 million – $1 billion
Metric by metric
| Measure | The Fidelity State Bank and Trust Company | The Valley State Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 90 | 97 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 82 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 99th | 72nd |
| Total assets | $194.8M | $200.5M |
| Deposits / shares | $147.2M | $174.0M |
| Capital ratio | 23.58% (stronger) | 12.18% |
| Problem loans | 0.31% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.24% |
| Return on assets | 2.17% (stronger) | 0.55% |
| Loans ÷ deposits | 13.5% (stronger) | 62.1% |
| Uninsured deposits | 31.3% | 20.8% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
The Fidelity State Bank and Trust Company has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity State Bank and Trust Company leads on 5 and The Valley State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.