Side-by-side · Q2 2026 data
Jones Bank vs First Bank of Utica
Metric by metric
| Measure | Jones Bank | First Bank of Utica |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 62 | 93 (stronger) |
| Loan quality | 87 (stronger) | 79 |
| Earnings | 72 (stronger) | 45 |
| Funding & liquidity | 88 (stronger) | 67 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 68th | 56th |
| Total assets | $441.2M | $77.4M |
| Deposits / shares | $370.8M | $62.4M |
| Capital ratio | 11.18% | 14.27% (stronger) |
| Problem loans | 0.39% (stronger) | 0.63% |
| Net charge-offs | -0.03% (stronger) | 0.08% |
| Return on assets | 1.30% (stronger) | 0.63% |
| Loans ÷ deposits | 67.9% (stronger) | 93.4% |
| Uninsured deposits | 18.6% | 12.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Jones Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Jones Bank leads on 5 and First Bank of Utica on 2. 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.