Side-by-side · Q2 2026 data
St. Johns Bank and Trust Company vs Community First Banking Company
Metric by metric
| Measure | St. Johns Bank and Trust Company | Community First Banking Company |
|---|---|---|
| TellerScore | 47 | 75 (stronger) |
| Capital cushion | 73 (stronger) | 53 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 42 | 78 (stronger) |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 53 | 89 (stronger) |
| Peer percentile | 5th | 61st |
| Total assets | $297.1M | $307.3M |
| Deposits / shares | $260.1M | $262.2M |
| Capital ratio | 12.27% (stronger) | 10.31% |
| Problem loans | 3.28% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 0.55% | 1.44% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 89.5% |
| Uninsured deposits | 15.7% (stronger) | 21.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Community First Banking Company has the higher TellerScore (75 vs 47). On the 7 directional measures above (where higher or lower is clearly better), St. Johns Bank and Trust Company leads on 4 and Community First Banking Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.