Side-by-side · Q2 2026 data
The Valley State Bank vs Andover State Bank
Metric by metric
| Measure | The Valley State Bank | Andover State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 72 (stronger) | 40 |
| Loan quality | 97 (stronger) | 78 |
| Earnings | 42 | 63 (stronger) |
| Funding & liquidity | 92 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 63 |
| Peer percentile | 72nd | 17th |
| Total assets | $200.5M | $232.2M |
| Deposits / shares | $174.0M | $208.2M |
| Capital ratio | 12.18% (stronger) | 8.95% |
| Problem loans | 0.09% (stronger) | 0.67% |
| Net charge-offs | 1.24% | 0.00% (stronger) |
| Return on assets | 0.55% | 1.07% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 90.0% |
| Uninsured deposits | 20.8% (stronger) | 24.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 6.9% |
The Valley State Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 5 and Andover State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.