Side-by-side · Q2 2026 data
Johnson Bank vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Johnson Bank | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 73 (stronger) | 51 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 72 | 75 (stronger) |
| Funding & liquidity | 28 | 99 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 70th | 72nd |
| Total assets | $7.1B | $341.6M |
| Deposits / shares | $5.6B | $287.5M |
| Capital ratio | 12.33% (stronger) | 10.06% |
| Problem loans | 0.23% | 0.19% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.30% | 1.39% (stronger) |
| Loans ÷ deposits | 94.2% | 60.9% (stronger) |
| Uninsured deposits | 49.0% | 14.4% (stronger) |
| Offices | 32 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Cumberland Federal Bank, FSB has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Johnson Bank leads on 2 and Cumberland Federal Bank, FSB on 5. 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.