Side-by-side · Q2 2026 data
The Valley State Bank vs Fidelity Bank, National Association
Metric by metric
| Measure | The Valley State Bank | Fidelity Bank, National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 60 |
| Capital cushion | 72 (stronger) | 50 |
| Loan quality | 97 (stronger) | 75 |
| Earnings | 42 | 66 (stronger) |
| Funding & liquidity | 92 (stronger) | 35 |
| Problem-loan coverage | 98 (stronger) | 78 |
| Peer percentile | 72nd | 21st |
| Total assets | $200.5M | $3.3B |
| Deposits / shares | $174.0M | $2.6B |
| Capital ratio | 12.18% (stronger) | 9.99% |
| Problem loans | 0.09% (stronger) | 0.75% |
| Net charge-offs | 1.24% | -0.07% (stronger) |
| Return on assets | 0.55% | 1.16% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 99.1% |
| Uninsured deposits | 20.8% (stronger) | 38.8% |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 24.9% |
The Valley State Bank has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 5 and Fidelity Bank, National Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.