Side-by-side · Q2 2026 data
Johnson City Bank vs First State Bank
Metric by metric
| Measure | Johnson City Bank | First State Bank |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 72 | 73 (stronger) |
| Funding & liquidity | 84 (stronger) | 47 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 82nd | 86th |
| Total assets | $146.8M | $150.8M |
| Deposits / shares | $128.8M | $122.9M |
| Capital ratio | 12.57% | 15.90% (stronger) |
| Problem loans | 0.26% | 0.23% (stronger) |
| Net charge-offs | 0.55% | 0.19% (stronger) |
| Return on assets | 1.29% | 1.32% (stronger) |
| Loans ÷ deposits | 66.9% (stronger) | 86.0% |
| Uninsured deposits | 23.6% (stronger) | 39.8% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Johnson City Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.