Side-by-side · Q2 2026 data
Valley State Bank vs First Federal Bank, A FSB
Metric by metric
| Measure | Valley State Bank | First Federal Bank, A FSB |
|---|---|---|
| TellerScore | 82 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 28 |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 75 (stronger) | 50 |
| Funding & liquidity | 69 (stronger) | 50 |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 82nd | 11th |
| Total assets | $169.5M | $182.6M |
| Deposits / shares | $139.4M | $120.4M |
| Capital ratio | 17.80% (stronger) | 7.82% |
| Problem loans | 0.97% | 0.60% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.37% (stronger) | 0.74% |
| Loans ÷ deposits | 62.9% (stronger) | 125.1% |
| Uninsured deposits | 40.7% | 9.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Valley State Bank has the higher TellerScore (82 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Valley State Bank leads on 5 and First Federal Bank, A FSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.