Side-by-side · Q2 2026 data
Vermilion Valley Bank vs Municipal Trust and Savings Bank
Metric by metric
| Measure | Vermilion Valley Bank | Municipal Trust and Savings Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 95 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 | 99 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 67 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 99th | 99th |
| Total assets | $198.2M | $382.2M |
| Deposits / shares | $160.1M | $305.7M |
| Capital ratio | 16.70% (stronger) | 15.56% |
| Problem loans | 0.03% (stronger) | 0.04% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.91% | 2.96% (stronger) |
| Loans ÷ deposits | 71.0% (stronger) | 84.3% |
| Uninsured deposits | 20.2% (stronger) | 22.6% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 5.1% |
Vermilion Valley Bank has the higher TellerScore (96 vs 95). On the 7 directional measures above (where higher or lower is clearly better), Vermilion Valley Bank leads on 6 and Municipal Trust and Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.