Side-by-side · Q2 2026 data
Johnson City Bank vs Bank of the West
Metric by metric
| Measure | Johnson City Bank | Bank of the West |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 76 (stronger) | 47 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 72 | 84 (stronger) |
| Funding & liquidity | 84 (stronger) | 52 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 57th |
| Total assets | $146.8M | $829.8M |
| Deposits / shares | $128.8M | $747.1M |
| Capital ratio | 12.57% (stronger) | 9.66% |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | 0.55% | 0.00% (stronger) |
| Return on assets | 1.29% | 1.60% (stronger) |
| Loans ÷ deposits | 66.9% | 66.7% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 52.5% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Johnson City Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Johnson City Bank leads on 3 and Bank of the West on 4. 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.