Side-by-side · Q2 2026 data
The Vinton County National Bank vs Peoples State Bank
Metric by metric
| Measure | The Vinton County National Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 55 (stronger) | 33 |
| Loan quality | 91 (stronger) | 80 |
| Earnings | 72 (stronger) | 60 |
| Funding & liquidity | 62 | 65 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 70th | 20th |
| Total assets | $1.6B | $286.5M |
| Deposits / shares | $1.4B | $256.8M |
| Capital ratio | 10.49% (stronger) | 8.32% |
| Problem loans | 0.27% (stronger) | 0.60% |
| Net charge-offs | 0.09% | 0.01% (stronger) |
| Return on assets | 1.29% (stronger) | 0.99% |
| Loans ÷ deposits | 80.4% (stronger) | 87.8% |
| Uninsured deposits | 30.9% | 21.4% (stronger) |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 1.9% |
The Vinton County National Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 5 and Peoples State Bank 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.