Side-by-side · Q2 2026 data
The First National Bank of Louisburg vs The Valley State Bank
Metric by metric
| Measure | The First National Bank of Louisburg | The Valley State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 59 | 72 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 94 (stronger) | 42 |
| Funding & liquidity | 65 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 80th | 72nd |
| Total assets | $201.3M | $200.5M |
| Deposits / shares | $171.5M | $174.0M |
| Capital ratio | 10.88% | 12.18% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | 0.00% (stronger) | 1.24% |
| Return on assets | 1.84% (stronger) | 0.55% |
| Loans ÷ deposits | 74.2% | 62.1% (stronger) |
| Uninsured deposits | 34.0% | 20.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
The First National Bank of Louisburg has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Louisburg leads on 4 and The Valley State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.