Side-by-side · Q2 2026 data
Vallant Bank vs Metro City Bank
Metric by metric
| Measure | Vallant Bank | Metro City Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 77 (stronger) | 61 |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 73 | 97 (stronger) |
| Funding & liquidity | 69 (stronger) | 30 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 86th | 70th |
| Total assets | $4.0B | $4.5B |
| Deposits / shares | $3.5B | $3.5B |
| Capital ratio | 12.70% (stronger) | 11.08% |
| Problem loans | 0.51% | 0.44% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 1.33% | 1.94% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 111.5% |
| Uninsured deposits | 20.6% (stronger) | 32.8% |
| Offices | 36 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.0% |
Vallant Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 4 and Metro City Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.