Side-by-side · Q2 2026 data
Somerville Bank vs The Fort Jennings State Bank
Metric by metric
| Measure | Somerville Bank | The Fort Jennings State Bank |
|---|---|---|
| TellerScore | 60 | 75 (stronger) |
| Capital cushion | 45 | 77 (stronger) |
| Loan quality | 63 | 64 (stronger) |
| Earnings | 50 | 77 (stronger) |
| Funding & liquidity | 84 (stronger) | 77 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 19th | 61st |
| Total assets | $290.6M | $285.8M |
| Deposits / shares | $260.7M | $247.2M |
| Capital ratio | 9.54% | 12.71% (stronger) |
| Problem loans | 1.10% | 1.09% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.74% | 1.42% (stronger) |
| Loans ÷ deposits | 75.9% (stronger) | 83.2% |
| Uninsured deposits | 11.0% (stronger) | 11.4% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
The Fort Jennings State Bank has the higher TellerScore (75 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 3 and The Fort Jennings State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.