Side-by-side · Q2 2026 data
The Valley State Bank vs Garden Plain State Bank
Metric by metric
| Measure | The Valley State Bank | Garden Plain State Bank |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 42 | 98 (stronger) |
| Funding & liquidity | 92 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 72nd | 92nd |
| Total assets | $200.5M | $191.5M |
| Deposits / shares | $174.0M | $162.0M |
| Capital ratio | 12.18% | 15.24% (stronger) |
| Problem loans | 0.09% (stronger) | 0.94% |
| Net charge-offs | 1.24% | -0.05% (stronger) |
| Return on assets | 0.55% | 1.95% (stronger) |
| Loans ÷ deposits | 62.1% | 35.0% (stronger) |
| Uninsured deposits | 20.8% (stronger) | 35.2% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 2.4% |
Garden Plain State Bank has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 2 and Garden Plain State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.