Side-by-side · Q2 2026 data
Valley Central Bank vs Mercer Savings Bank
Metric by metric
| Measure | Valley Central Bank | Mercer Savings Bank |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 28 | 97 (stronger) |
| Earnings | 34 | 52 (stronger) |
| Funding & liquidity | 62 (stronger) | 57 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 22nd | 72nd |
| Total assets | $186.7M | $176.2M |
| Deposits / shares | $146.0M | $146.4M |
| Capital ratio | 20.06% (stronger) | 13.16% |
| Problem loans | 2.17% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.35% | 0.79% (stronger) |
| Loans ÷ deposits | 96.3% (stronger) | 103.1% |
| Uninsured deposits | 16.4% | 6.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Mercer Savings Bank has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Valley Central Bank leads on 3 and Mercer Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.