Side-by-side · Q2 2026 data
The Twin Valley Bank vs The Baltic State Bank
Metric by metric
| Measure | The Twin Valley Bank | The Baltic State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 42 (stronger) | 28 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 63 | 64 (stronger) |
| Funding & liquidity | 88 (stronger) | 76 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 50th | 37th |
| Total assets | $137.6M | $129.6M |
| Deposits / shares | $126.5M | $119.6M |
| Capital ratio | 9.23% (stronger) | 7.81% |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.08% | 1.11% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 84.3% |
| Uninsured deposits | 12.2% (stronger) | 13.8% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Twin Valley Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Twin Valley Bank leads on 4 and The Baltic State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.