Side-by-side · Q2 2026 data
Texas National Bank of Jacksonville vs Harmony Bank
Metric by metric
| Measure | Texas National Bank of Jacksonville | Harmony Bank |
|---|---|---|
| TellerScore | 50 | 75 (stronger) |
| Capital cushion | 51 | 69 (stronger) |
| Loan quality | 66 | 99 (stronger) |
| Earnings | 6 | 66 (stronger) |
| Funding & liquidity | 63 (stronger) | 43 |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 7th | 61st |
| Total assets | $852.4M | $855.3M |
| Deposits / shares | $765.7M | $707.7M |
| Capital ratio | 10.08% | 11.90% (stronger) |
| Problem loans | 1.03% | 0.02% (stronger) |
| Net charge-offs | 0.45% (stronger) | 0.52% |
| Return on assets | -0.34% | 1.16% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 88.0% |
| Uninsured deposits | 27.1% (stronger) | 41.4% |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
Harmony Bank has the higher TellerScore (75 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Texas National Bank of Jacksonville leads on 3 and Harmony Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.