Side-by-side · Q2 2026 data
The First National Bank of Hartford vs Valley State Bank
Metric by metric
| Measure | The First National Bank of Hartford | Valley State Bank |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 60 | 68 (stronger) |
| Earnings | 77 (stronger) | 75 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 81 | 94 (stronger) |
| Peer percentile | 61st | 82nd |
| Total assets | $173.0M | $169.5M |
| Deposits / shares | $152.3M | $139.4M |
| Capital ratio | 12.88% | 17.80% (stronger) |
| Problem loans | 1.19% | 0.97% (stronger) |
| Net charge-offs | 0.17% | 0.01% (stronger) |
| Return on assets | 1.43% (stronger) | 1.37% |
| Loans ÷ deposits | 62.1% (stronger) | 62.9% |
| Uninsured deposits | 28.7% (stronger) | 40.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Valley State Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Hartford leads on 3 and Valley State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.