Side-by-side · Q2 2026 data
Vermillion State Bank vs River Falls State Bank
Metric by metric
| Measure | Vermillion State Bank | River Falls State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 84 (stronger) | 64 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 83 (stronger) | 80 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 95th | 68th |
| Total assets | $931.4M | $143.2M |
| Deposits / shares | $806.6M | $127.5M |
| Capital ratio | 13.40% (stronger) | 11.40% |
| Problem loans | 0.24% | 0.21% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | 2.56% (stronger) | 1.10% |
| Loans ÷ deposits | 51.7% (stronger) | 80.5% |
| Uninsured deposits | 30.2% | 11.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 2.6% |
Vermillion State Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 5 and River Falls State Bank on 2. 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.