Side-by-side · Q2 2026 data
Valley State Bank vs North Alabama Bank
Metric by metric
| Measure | Valley State Bank | North Alabama Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 68 | 95 (stronger) |
| Earnings | 75 | 81 (stronger) |
| Funding & liquidity | 69 | 70 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 82nd | 77th |
| Total assets | $169.5M | $178.6M |
| Deposits / shares | $139.4M | $156.0M |
| Capital ratio | 17.80% (stronger) | 11.73% |
| Problem loans | 0.97% | 0.15% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.37% | 1.53% (stronger) |
| Loans ÷ deposits | 62.9% (stronger) | 88.4% |
| Uninsured deposits | 40.7% | 16.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
Valley State Bank has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Valley State Bank leads on 4 and North Alabama Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.