Side-by-side · Q2 2026 data
Vallant Bank vs Georgia Banking Company
Metric by metric
| Measure | Vallant Bank | Georgia Banking Company |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 77 (stronger) | 58 |
| Loan quality | 83 (stronger) | 78 |
| Earnings | 73 (stronger) | 62 |
| Funding & liquidity | 69 (stronger) | 39 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 86th | 33rd |
| Total assets | $4.0B | $3.3B |
| Deposits / shares | $3.5B | $2.9B |
| Capital ratio | 12.70% (stronger) | 10.78% |
| Problem loans | 0.51% (stronger) | 0.67% |
| Net charge-offs | 0.08% (stronger) | 0.08% |
| Return on assets | 1.33% (stronger) | 1.05% |
| Loans ÷ deposits | 85.2% (stronger) | 89.0% |
| Uninsured deposits | 20.6% (stronger) | 44.1% |
| Offices | 36 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.9% |
Vallant Bank has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 7 and Georgia Banking Company on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.