Side-by-side · Q2 2026 data
Vallant Bank vs Security Federal Bank
Metric by metric
| Measure | Vallant Bank | Security Federal Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 77 (stronger) | 58 |
| Loan quality | 83 (stronger) | 72 |
| Earnings | 73 (stronger) | 55 |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 86th | 53rd |
| Total assets | $4.0B | $1.5B |
| Deposits / shares | $3.5B | $1.4B |
| Capital ratio | 12.70% (stronger) | 10.83% |
| Problem loans | 0.51% (stronger) | 0.85% |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.33% (stronger) | 0.86% |
| Loans ÷ deposits | 85.2% | 49.8% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 24.1% |
| Offices | 36 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.8% |
Vallant Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Vallant Bank leads on 5 and Security Federal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.