Side-by-side · Q2 2026 data
Jonesburg State Bank vs Independent Farmers Bank
Metric by metric
| Measure | Jonesburg State Bank | Independent Farmers Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 49 | 55 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 80th | 47th |
| Total assets | $145.6M | $146.5M |
| Deposits / shares | $125.4M | $131.9M |
| Capital ratio | 9.95% | 10.53% (stronger) |
| Problem loans | 0.00% (stronger) | 0.66% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 2.49% (stronger) | 1.13% |
| Loans ÷ deposits | 84.9% | 66.2% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 23.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Jonesburg State Bank has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Jonesburg State Bank leads on 5 and Independent Farmers Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.