Side-by-side · Q2 2026 data
The Security State Bank vs The Valley State Bank
Metric by metric
| Measure | The Security State Bank | The Valley State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 52 | 97 (stronger) |
| Earnings | 65 (stronger) | 42 |
| Funding & liquidity | 92 | 92 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 63rd | 72nd |
| Total assets | $55.1M | $200.5M |
| Deposits / shares | $47.7M | $174.0M |
| Capital ratio | 15.56% (stronger) | 12.18% |
| Problem loans | 1.44% | 0.09% (stronger) |
| Net charge-offs | 0.03% (stronger) | 1.24% |
| Return on assets | 1.13% (stronger) | 0.55% |
| Loans ÷ deposits | 37.0% (stronger) | 62.1% |
| Uninsured deposits | 22.7% | 20.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
The Security State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Security State Bank leads on 5 and The Valley State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.