Side-by-side · Q2 2026 data
Junction National Bank vs Bandera Bank
Metric by metric
| Measure | Junction National Bank | Bandera Bank |
|---|---|---|
| TellerScore | 86 | 89 (stronger) |
| Capital cushion | 70 | 73 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 81st | 87th |
| Total assets | $93.0M | $89.3M |
| Deposits / shares | $84.6M | $78.6M |
| Capital ratio | 12.04% | 12.29% (stronger) |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | -0.02% (stronger) | 0.12% |
| Return on assets | 1.60% | 2.22% (stronger) |
| Loans ÷ deposits | 25.0% (stronger) | 59.6% |
| Uninsured deposits | 24.5% | 9.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bandera Bank has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Junction National Bank leads on 3 and Bandera Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.