Side-by-side · Q2 2026 data
Johnson City Bank vs Llano National Bank
Metric by metric
| Measure | Johnson City Bank | Llano National Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 76 | 81 (stronger) |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 72 (stronger) | 61 |
| Funding & liquidity | 84 | 84 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 82nd | 77th |
| Total assets | $146.8M | $301.1M |
| Deposits / shares | $128.8M | $265.9M |
| Capital ratio | 12.57% | 13.11% (stronger) |
| Problem loans | 0.26% (stronger) | 0.45% |
| Net charge-offs | 0.55% | 0.20% (stronger) |
| Return on assets | 1.29% (stronger) | 1.02% |
| Loans ÷ deposits | 66.9% | 64.0% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 26.1% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Johnson City Bank has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Johnson City Bank leads on 4 and Llano National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.