Side-by-side · Q2 2026 data
Valley Central Bank vs The Peoples Savings Bank
Metric by metric
| Measure | Valley Central Bank | The Peoples Savings Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 28 | 71 (stronger) |
| Earnings | 34 | 49 (stronger) |
| Funding & liquidity | 62 | 63 (stronger) |
| Problem-loan coverage | 85 (stronger) | 84 |
| Peer percentile | 22nd | 14th |
| Total assets | $186.7M | $189.3M |
| Deposits / shares | $146.0M | $172.5M |
| Capital ratio | 20.06% (stronger) | 8.96% |
| Problem loans | 2.17% | 0.87% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.35% | 0.72% (stronger) |
| Loans ÷ deposits | 96.3% | 90.5% (stronger) |
| Uninsured deposits | 16.4% (stronger) | 21.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Valley Central Bank has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Valley Central Bank leads on 4 and The Peoples Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.