Side-by-side · Q2 2026 data
Valor Bank vs The Payne County Bank
Metric by metric
| Measure | Valor Bank | The Payne County Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 37 | 94 (stronger) |
| Loan quality | 89 (stronger) | 64 |
| Earnings | 100 | 100 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 47th | 84th |
| Total assets | $302.6M | $313.2M |
| Deposits / shares | $262.1M | $257.1M |
| Capital ratio | 8.70% | 14.39% (stronger) |
| Problem loans | 0.32% (stronger) | 1.09% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 2.15% | 2.35% (stronger) |
| Loans ÷ deposits | 99.8% | 91.0% (stronger) |
| Uninsured deposits | 19.8% | 15.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 4.6% |
The Payne County Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Valor Bank leads on 2 and The Payne County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.