Side-by-side · Q2 2026 data
Bank of Lincoln County vs Jack Daniel Employees Credit Union
Credit union
Jack Daniel Employees Credit Union
Lynchburg, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Bank of Lincoln County | Jack Daniel Employees Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 74 |
| Capital cushion | 72 (stronger) | 63 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 98 (stronger) | 67 |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 90th | 49th |
| Total assets | $230.1M | $56.7M |
| Deposits / shares | $198.3M | $49.8M |
| Capital ratio | 12.23% (stronger) | 11.32% |
| Problem loans | 0.01% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.14% |
| Return on assets | 1.94% (stronger) | 1.18% |
| Loans ÷ deposits | 86.6% | 77.6% (stronger) |
| Uninsured deposits | 24.6% | 5.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Lincoln County has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of Lincoln County leads on 5 and Jack Daniel Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.