TellerScore

Johnson City Bank (FDIC certificate #16176) is based in Johnson City, Texas. Its Q2 2026 call report shows $146.8M in total assets and $128.8M in deposits and 1 office.

Johnson City Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 73rd. Problem-loan coverage contributes the most (98/100, 1.2%); earnings contributes the least (72/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.57%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 66.9% · 23.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (84 → 82), mostly because the capital cushion component weakened by 11 points.

TellerScore
828486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202484
Q4 202485
Q1 202585
Q2 202584
Q3 202582
Q4 202582
Q1 202683
Q2 202682
Tier 1 leverage ratio
5.00%9.37%13.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.01%
Q3 202413.02%
Q4 202413.29%
Q1 202513.63%
Q2 202513.74%
Q3 202513.48%
Q4 202513.21%
Q1 202613.07%
Q2 202612.57%
Noncurrent loans
0.07%0.34%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.29%
Q4 20240.29%
Q1 20250.28%
Q2 20250.55%
Q3 20250.60%
Q4 20250.57%
Q1 20260.47%
Q2 20260.26%
Return on assets
1.29%1.39%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.42%
Q4 20241.46%
Q1 20251.37%
Q2 20251.41%
Q3 20251.36%
Q4 20251.39%
Q1 20261.49%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$146.8M12.57%0.26%1.29%66.9%
Q1 202683$148.8M13.07%0.47%1.49%65.7%
Q4 202582$139.9M13.21%0.57%1.39%71.1%
Q3 202582$136.8M13.48%0.60%1.36%69.7%
Q2 202584$133.6M13.74%0.55%1.41%71.3%
Q1 202585$133.1M13.63%0.28%1.37%73.3%
Q4 202485$134.2M13.29%0.29%1.46%72.5%
Q3 202484$139.5M13.02%0.29%1.42%70.7%
Q2 202486$138.6M13.01%0.07%1.41%72.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.57%
71st
Total risk-based capital0.00%
24th
Problem loans0.26%
60th
Net charge-offs0.55%
5th
Return on assets1.29%
53rd
Net interest margin4.05%
56th
Efficiency ratio63.1%
47th
Loans to deposits66.9%
74th
Uninsured deposits23.6%
51st
Loan-loss reserves1.09%
38th
Texas ratio1.2%
66th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mason BankBank Mason, TX73 out of 100, Strong$147.5M19.9%2.45%vs
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
Carmine State BankBank Carmine, TX71 out of 100, Strong$148.8M10.0%0.50%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs

Deposit insurance

Is my money safe at Johnson City Bank?

Yes. Johnson City Bank is an FDIC-insured institution (FDIC certificate #16176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.6% of deposits ($30.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Johnson City Bank lists 1 office in 1 city. Most locations:

  • Johnson City, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Johnson City Bank
Former names
Citizens State Bank
Type
State-chartered bank
FDIC certificate #
16176
RSSD ID
977652
Primary regulator
FDIC
Holding company
Pedernales Investment Corp
Established
August 1, 1944
Headquarters
100 E Pecan Dr, Johnson City, TX 78636
Employees
24

Quick answers

Johnson City Bank: common questions

Is Johnson City Bank FDIC insured?

Yes. Johnson City Bank is an FDIC-insured institution (FDIC certificate #16176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Johnson City Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Johnson City Bank ever failed?

There is no failure record for FDIC certificate #16176 in the FDIC failed bank list.

How many branches does Johnson City Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Johnson City

InstitutionScoreAssetsCapitalProblem loansCompare
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
Llano National BankBank Llano, TX80 out of 100, Strong$301.1M13.1%0.45%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
Ozona BankBank Ozona, TX79 out of 100, Strong$346.1M12.3%0.00%vs
The Commercial National Bank of BradyBank Brady, TX78 out of 100, Strong$425.4M10.2%0.00%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs