Side-by-side · Q2 2026 data
Journey Bank vs Ameriserv Financial Bank
Metric by metric
| Measure | Journey Bank | Ameriserv Financial Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 60 |
| Capital cushion | 52 (stronger) | 45 |
| Loan quality | 75 | 75 |
| Earnings | 88 (stronger) | 55 |
| Funding & liquidity | 63 (stronger) | 54 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 63rd | 21st |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 10.22% (stronger) | 9.46% |
| Problem loans | 0.74% (stronger) | 0.76% |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 1.69% (stronger) | 0.88% |
| Loans ÷ deposits | 83.5% | 79.3% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 39.3% |
| Offices | 18 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 24.9% |
Journey Bank has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Journey Bank leads on 6 and Ameriserv Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.