Side-by-side · Q2 2026 data
The Twin Valley Bank vs The Settlers Bank
Metric by metric
| Measure | The Twin Valley Bank | The Settlers Bank |
|---|---|---|
| TellerScore | 72 | 94 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 63 | 93 (stronger) |
| Funding & liquidity | 88 (stronger) | 79 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 50th | 98th |
| Total assets | $137.6M | $142.4M |
| Deposits / shares | $126.5M | $119.1M |
| Capital ratio | 9.23% | 16.19% (stronger) |
| Problem loans | 0.08% (stronger) | 0.18% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.08% | 1.83% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 77.1% |
| Uninsured deposits | 12.2% (stronger) | 18.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Settlers Bank has the higher TellerScore (94 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Twin Valley Bank leads on 3 and The Settlers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.