Side-by-side · Q2 2026 data
Tri-Valley Bank vs First Security State Bank
Metric by metric
| Measure | Tri-Valley Bank | First Security State Bank |
|---|---|---|
| TellerScore | 36 | 58 (stronger) |
| Capital cushion | 43 | 99 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 27 | 61 (stronger) |
| Funding & liquidity | 95 (stronger) | 60 |
| Problem-loan coverage | 35 | 70 (stronger) |
| Peer percentile | 2nd | 17th |
| Total assets | $82.8M | $87.3M |
| Deposits / shares | $77.4M | $74.1M |
| Capital ratio | 9.25% | 14.90% (stronger) |
| Problem loans | 4.09% | 3.11% (stronger) |
| Net charge-offs | 0.81% | 0.03% (stronger) |
| Return on assets | 0.18% | 1.03% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 83.1% |
| Uninsured deposits | 17.8% (stronger) | 30.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Security State Bank has the higher TellerScore (58 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Tri-Valley Bank leads on 2 and First Security State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.