Side-by-side · Q2 2026 data
Vallant Bank vs First State Bank
Metric by metric
| Measure | Vallant Bank | First State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 77 (stronger) | 55 |
| Loan quality | 83 | 89 (stronger) |
| Earnings | 73 | 93 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 86th | 68th |
| Total assets | $4.0B | $512.7M |
| Deposits / shares | $3.5B | $444.8M |
| Capital ratio | 12.70% (stronger) | 10.53% |
| Problem loans | 0.51% | 0.32% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.33% | 1.84% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 93.5% |
| Uninsured deposits | 20.6% | 14.6% (stronger) |
| Offices | 36 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.6% |
Vallant Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 3 and First State Bank on 4. 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.