Side-by-side · Q2 2026 data
Dairy State Bank vs Johnson Bank
Metric by metric
| Measure | Dairy State Bank | Johnson Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 70 | 73 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 62 | 72 (stronger) |
| Funding & liquidity | 82 (stronger) | 28 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 77th | 70th |
| Total assets | $730.3M | $7.1B |
| Deposits / shares | $630.4M | $5.6B |
| Capital ratio | 11.96% | 12.33% (stronger) |
| Problem loans | 0.06% (stronger) | 0.23% |
| Net charge-offs | 0.00% | -0.06% (stronger) |
| Return on assets | 1.04% | 1.30% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 94.2% |
| Uninsured deposits | 28.8% (stronger) | 49.0% |
| Offices | 11 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 7.8% |
Dairy State Bank has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Dairy State Bank leads on 4 and Johnson 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.