Side-by-side · Q2 2026 data
Jonesburg State Bank vs First Independent Bank
Metric by metric
| Measure | Jonesburg State Bank | First Independent Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 49 | 66 (stronger) |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 80th | 57th |
| Total assets | $145.6M | $147.6M |
| Deposits / shares | $125.4M | $131.4M |
| Capital ratio | 9.95% | 11.63% (stronger) |
| Problem loans | 0.00% (stronger) | 1.00% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 2.49% (stronger) | 1.24% |
| Loans ÷ deposits | 84.9% | 55.5% (stronger) |
| Uninsured deposits | 9.8% | 5.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jonesburg State Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Jonesburg State Bank leads on 4 and First Independent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.