Side-by-side · Q2 2026 data
Ventura National Bank & Trust vs The Denison State Bank
Metric by metric
| Measure | Ventura National Bank & Trust | The Denison State Bank |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 64 |
| Earnings | 2 | 100 (stronger) |
| Funding & liquidity | 50 | 78 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 45th | 91st |
| Total assets | $41.7M | $453.6M |
| Deposits / shares | $32.8M | $369.3M |
| Capital ratio | 17.95% (stronger) | 17.53% |
| Problem loans | 0.09% (stronger) | 1.08% |
| Net charge-offs | 0.14% (stronger) | 0.81% |
| Return on assets | -0.46% | 2.00% (stronger) |
| Loans ÷ deposits | 111.1% | 81.4% (stronger) |
| Uninsured deposits | 11.6% (stronger) | 16.0% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.2% |
The Denison State Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Ventura National Bank & Trust leads on 4 and The Denison State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.