Side-by-side · Q2 2026 data
Pennian Bank vs The Juniata Valley Bank
Metric by metric
| Measure | Pennian Bank | The Juniata Valley Bank |
|---|---|---|
| TellerScore | 55 | 70 (stronger) |
| Capital cushion | 42 (stronger) | 36 |
| Loan quality | 64 | 98 (stronger) |
| Earnings | 36 | 66 (stronger) |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 11th | 43rd |
| Total assets | $667.9M | $917.9M |
| Deposits / shares | $578.9M | $805.8M |
| Capital ratio | 9.24% (stronger) | 8.56% |
| Problem loans | 1.09% | 0.05% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.39% | 1.16% (stronger) |
| Loans ÷ deposits | 76.3% (stronger) | 78.0% |
| Uninsured deposits | 21.8% | 20.4% (stronger) |
| Offices | 11 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 17.5% |
The Juniata Valley Bank has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Pennian Bank leads on 2 and The Juniata Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mifflintown, PA