Side-by-side · Q2 2026 data
St. Johns Bank and Trust Company vs Putnam County State Bank
Metric by metric
| Measure | St. Johns Bank and Trust Company | Putnam County State Bank |
|---|---|---|
| TellerScore | 47 | 80 (stronger) |
| Capital cushion | 73 | 85 (stronger) |
| Loan quality | 0 | 79 (stronger) |
| Earnings | 42 | 90 (stronger) |
| Funding & liquidity | 75 (stronger) | 47 |
| Problem-loan coverage | 53 | 94 (stronger) |
| Peer percentile | 5th | 77th |
| Total assets | $297.1M | $317.6M |
| Deposits / shares | $260.1M | $273.7M |
| Capital ratio | 12.27% | 13.52% (stronger) |
| Problem loans | 3.28% | 0.62% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.55% | 1.75% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 85.1% |
| Uninsured deposits | 15.7% (stronger) | 40.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Putnam County State Bank has the higher TellerScore (80 vs 47). On the 7 directional measures above (where higher or lower is clearly better), St. Johns Bank and Trust Company leads on 2 and Putnam County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.