Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs Johnson Bank
Metric by metric
| Measure | National Exchange Bank and Trust | Johnson Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 88 (stronger) | 72 |
| Funding & liquidity | 59 (stronger) | 28 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 98th | 70th |
| Total assets | $2.9B | $7.1B |
| Deposits / shares | $2.3B | $5.6B |
| Capital ratio | 20.06% (stronger) | 12.33% |
| Problem loans | 0.37% | 0.23% (stronger) |
| Net charge-offs | -0.07% (stronger) | -0.06% |
| Return on assets | 1.69% (stronger) | 1.30% |
| Loans ÷ deposits | 73.1% (stronger) | 94.2% |
| Uninsured deposits | 40.1% (stronger) | 49.0% |
| Offices | 32 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 7.8% |
National Exchange Bank and Trust has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 6 and Johnson Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.