Side-by-side · Q2 2026 data
Johnson City Bank vs ValueBank Texas
Metric by metric
| Measure | Johnson City Bank | ValueBank Texas |
|---|---|---|
| TellerScore | 82 | 85 (stronger) |
| Capital cushion | 76 (stronger) | 75 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 72 | 72 |
| Funding & liquidity | 84 | 88 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 88th |
| Total assets | $146.8M | $303.6M |
| Deposits / shares | $128.8M | $263.0M |
| Capital ratio | 12.57% (stronger) | 12.54% |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | 0.55% | 0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 1.29% |
| Loans ÷ deposits | 66.9% | 62.6% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 24.1% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
ValueBank Texas has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Johnson City Bank leads on 3 and ValueBank Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.