Side-by-side · Q2 2026 data
The Valley State Bank vs Lyons Federal Bank
Metric by metric
| Measure | The Valley State Bank | Lyons Federal Bank |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 72 | 77 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 42 | 62 (stronger) |
| Funding & liquidity | 92 (stronger) | 64 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 72nd |
| Total assets | $200.5M | $197.6M |
| Deposits / shares | $174.0M | $166.7M |
| Capital ratio | 12.18% | 12.70% (stronger) |
| Problem loans | 0.09% (stronger) | 0.23% |
| Net charge-offs | 1.24% | 0.00% (stronger) |
| Return on assets | 0.55% | 1.06% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 86.4% |
| Uninsured deposits | 20.8% (stronger) | 23.9% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 3 and Lyons Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.