Side-by-side · Q2 2026 data
The First State Bank of Shelby vs Valley Bank of Ronan
Metric by metric
| Measure | The First State Bank of Shelby | Valley Bank of Ronan |
|---|---|---|
| TellerScore | 93 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 71 (stronger) | 53 |
| Funding & liquidity | 89 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 40th |
| Total assets | $175.6M | $218.1M |
| Deposits / shares | $148.5M | $197.6M |
| Capital ratio | 19.38% (stronger) | 9.29% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.56% (stronger) | 0.06% |
| Return on assets | 1.28% (stronger) | 0.83% |
| Loans ÷ deposits | 16.5% (stronger) | 74.9% |
| Uninsured deposits | 24.9% | 12.6% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Shelby has the higher TellerScore (93 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Shelby leads on 6 and Valley Bank of Ronan on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.