Side-by-side · Q2 2026 data
Journey Bank vs Embassy Bank for the Lehigh Valley
Metric by metric
| Measure | Journey Bank | Embassy Bank for the Lehigh Valley |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 52 (stronger) | 38 |
| Loan quality | 75 | 98 (stronger) |
| Earnings | 88 (stronger) | 56 |
| Funding & liquidity | 63 (stronger) | 62 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 63rd | 40th |
| Total assets | $1.7B | $1.9B |
| Deposits / shares | $1.4B | $1.7B |
| Capital ratio | 10.22% (stronger) | 8.83% |
| Problem loans | 0.74% | 0.05% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 0.89% |
| Loans ÷ deposits | 83.5% | 77.0% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 34.5% |
| Offices | 18 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 16.4% |
Journey Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Journey Bank leads on 4 and Embassy Bank for the Lehigh Valley on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.