Side-by-side · Q2 2026 data
The First National Bank of Waverly vs Valley Central Bank
Metric by metric
| Measure | The First National Bank of Waverly | Valley Central Bank |
|---|---|---|
| TellerScore | 41 | 62 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 0 | 28 (stronger) |
| Earnings | 50 (stronger) | 34 |
| Funding & liquidity | 83 (stronger) | 62 |
| Problem-loan coverage | 64 | 85 (stronger) |
| Peer percentile | 3rd | 22nd |
| Total assets | $196.2M | $186.7M |
| Deposits / shares | $172.6M | $146.0M |
| Capital ratio | 9.22% | 20.06% (stronger) |
| Problem loans | 3.61% | 2.17% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.74% (stronger) | 0.35% |
| Loans ÷ deposits | 54.3% (stronger) | 96.3% |
| Uninsured deposits | 30.6% | 16.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Valley Central Bank has the higher TellerScore (62 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waverly leads on 2 and Valley Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.