Side-by-side · Q2 2026 data
The Valley State Bank vs Impact Bank
Metric by metric
| Measure | The Valley State Bank | Impact Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 72 (stronger) | 56 |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 42 | 87 (stronger) |
| Funding & liquidity | 92 (stronger) | 75 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 72nd | 77th |
| Total assets | $200.5M | $167.2M |
| Deposits / shares | $174.0M | $153.0M |
| Capital ratio | 12.18% (stronger) | 10.62% |
| Problem loans | 0.09% | 0.03% (stronger) |
| Net charge-offs | 1.24% | 0.05% (stronger) |
| Return on assets | 0.55% | 1.67% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 64.7% |
| Uninsured deposits | 20.8% (stronger) | 33.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Impact Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 3 and Impact Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.