Side-by-side · Q2 2026 data
The Lyon County State Bank vs Cottonwood Valley Bank
Metric by metric
| Measure | The Lyon County State Bank | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 46 | 94 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 88 (stronger) | 57 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $212.5M | $38.1M |
| Deposits / shares | $183.4M | $32.7M |
| Capital ratio | 9.61% | 14.39% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.16% (stronger) |
| Return on assets | 1.70% (stronger) | 0.93% |
| Loans ÷ deposits | 79.0% | 17.9% (stronger) |
| Uninsured deposits | 8.8% (stronger) | 10.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Lyon County State Bank leads on 2 and Cottonwood Valley Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.