Side-by-side · Q2 2026 data
Orrstown Bank vs The Juniata Valley Bank
Metric by metric
| Measure | Orrstown Bank | The Juniata Valley Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 50 (stronger) | 36 |
| Loan quality | 80 | 98 (stronger) |
| Earnings | 88 (stronger) | 66 |
| Funding & liquidity | 57 | 76 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 58th | 43rd |
| Total assets | $5.6B | $917.9M |
| Deposits / shares | $4.6B | $805.8M |
| Capital ratio | 9.97% (stronger) | 8.56% |
| Problem loans | 0.60% | 0.05% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 1.16% |
| Loans ÷ deposits | 88.0% | 78.0% (stronger) |
| Uninsured deposits | 29.1% | 20.4% (stronger) |
| Offices | 38 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 17.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 2 and The Juniata Valley Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.