Side-by-side · Q2 2026 data
The Vinton County National Bank vs Waterford Bank, N.A.
Metric by metric
| Measure | The Vinton County National Bank | Waterford Bank, N.A. |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 55 (stronger) | 54 |
| Loan quality | 91 (stronger) | 77 |
| Earnings | 72 (stronger) | 71 |
| Funding & liquidity | 62 (stronger) | 49 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 70th | 40th |
| Total assets | $1.6B | $1.8B |
| Deposits / shares | $1.4B | $1.6B |
| Capital ratio | 10.49% (stronger) | 10.45% |
| Problem loans | 0.27% (stronger) | 0.68% |
| Net charge-offs | 0.09% | -0.08% (stronger) |
| Return on assets | 1.29% (stronger) | 1.29% |
| Loans ÷ deposits | 80.4% (stronger) | 88.5% |
| Uninsured deposits | 30.9% (stronger) | 35.2% |
| Offices | 16 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | 1.7% |
The Vinton County National Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Vinton County National Bank leads on 6 and Waterford Bank, N.A. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.