Side-by-side · Q2 2026 data
Valley Central Bank vs Spring Valley Bank
Metric by metric
| Measure | Valley Central Bank | Spring Valley Bank |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 28 | 86 (stronger) |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 49 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 22nd | 94th |
| Total assets | $186.7M | $113.6M |
| Deposits / shares | $146.0M | $67.0M |
| Capital ratio | 20.06% | 34.07% (stronger) |
| Problem loans | 2.17% | 0.43% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.35% | 2.90% (stronger) |
| Loans ÷ deposits | 96.3% (stronger) | 154.7% |
| Uninsured deposits | 16.4% | 16.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 18.9% |
Spring Valley Bank has the higher TellerScore (89 vs 62). On the 6 directional measures above (where higher or lower is clearly better), Valley Central Bank leads on 1 and Spring Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.