Side-by-side · Q2 2026 data
JD Bank vs Synergy Bank
Metric by metric
| Measure | JD Bank | Synergy Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 61 |
| Capital cushion | 69 (stronger) | 63 |
| Loan quality | 87 (stronger) | 31 |
| Earnings | 64 | 84 (stronger) |
| Funding & liquidity | 80 (stronger) | 66 |
| Problem-loan coverage | 92 (stronger) | 80 |
| Peer percentile | 80th | 24th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 11.88% (stronger) | 11.26% |
| Problem loans | 0.40% (stronger) | 2.07% |
| Net charge-offs | 0.07% (stronger) | 0.19% |
| Return on assets | 1.11% | 1.60% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 78.5% |
| Uninsured deposits | 25.0% (stronger) | 29.0% |
| Offices | 22 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
JD Bank has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), JD Bank leads on 6 and Synergy Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.