Side-by-side · Q2 2026 data
The Valley State Bank vs Union State Bank
Metric by metric
| Measure | The Valley State Bank | Union State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 72 (stronger) | 53 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 42 | 55 (stronger) |
| Funding & liquidity | 92 (stronger) | 74 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 72nd | 53rd |
| Total assets | $200.5M | $206.2M |
| Deposits / shares | $174.0M | $175.2M |
| Capital ratio | 12.18% (stronger) | 10.29% |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 1.24% | -0.01% (stronger) |
| Return on assets | 0.55% | 0.87% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 65.1% |
| Uninsured deposits | 20.8% (stronger) | 34.5% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
The Valley State Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Valley State Bank leads on 4 and Union State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.