Side-by-side · Q2 2026 data
UMB Bank, National Association vs Pacific Valley Bank
Metric by metric
| Measure | UMB Bank, National Association | Pacific Valley Bank |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 39 | 76 (stronger) |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 75 (stronger) | 55 |
| Funding & liquidity | 43 (stronger) | 26 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 54th | 43rd |
| Total assets | $71.9B | $653.3M |
| Deposits / shares | $60.2B | $570.5M |
| Capital ratio | 8.89% | 12.60% (stronger) |
| Problem loans | 0.34% | 0.24% (stronger) |
| Net charge-offs | 0.17% | -0.02% (stronger) |
| Return on assets | 1.39% (stronger) | 0.87% |
| Loans ÷ deposits | 67.7% (stronger) | 94.5% |
| Uninsured deposits | 63.6% | 50.7% (stronger) |
| Offices | 189 | 4 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
Pacific Valley Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 2 and Pacific Valley Bank on 5. 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.