Side-by-side · Q2 2026 data
Vallant Bank vs First Bank of Coastal Georgia
Metric by metric
| Measure | Vallant Bank | First Bank of Coastal Georgia |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 77 (stronger) | 41 |
| Loan quality | 83 | 88 (stronger) |
| Earnings | 73 (stronger) | 29 |
| Funding & liquidity | 69 (stronger) | 64 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 86th | 17th |
| Total assets | $4.0B | $215.7M |
| Deposits / shares | $3.5B | $189.7M |
| Capital ratio | 12.70% (stronger) | 9.07% |
| Problem loans | 0.51% | 0.35% (stronger) |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.33% (stronger) | 0.23% |
| Loans ÷ deposits | 85.2% | 37.3% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 47.9% |
| Offices | 36 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vallant Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 4 and First Bank of Coastal Georgia on 3. 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.