Side-by-side · Q2 2026 data
The Pauls Valley National Bank vs The Community State Bank
Metric by metric
| Measure | The Pauls Valley National Bank | The Community State Bank |
|---|---|---|
| TellerScore | 39 | 66 (stronger) |
| Capital cushion | 45 (stronger) | 41 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 65 (stronger) | 54 |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 3 | 93 (stronger) |
| Peer percentile | 2nd | 31st |
| Total assets | $356.6M | $393.1M |
| Deposits / shares | $327.4M | $363.3M |
| Capital ratio | 9.48% (stronger) | 9.05% |
| Problem loans | 5.72% | 0.26% (stronger) |
| Net charge-offs | 0.36% | 0.11% (stronger) |
| Return on assets | 1.12% (stronger) | 0.84% |
| Loans ÷ deposits | 62.1% (stronger) | 79.3% |
| Uninsured deposits | 29.5% | 23.8% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Community State Bank has the higher TellerScore (66 vs 39). On the 7 directional measures above (where higher or lower is clearly better), The Pauls Valley National Bank leads on 3 and The Community State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.