Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs Bank of Jamestown
Metric by metric
| Measure | The Citizens National Bank of Somerset | Bank of Jamestown |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 40 | 80 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 89 (stronger) | 70 |
| Funding & liquidity | 81 (stronger) | 78 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 61st | 86th |
| Total assets | $700.9M | $263.8M |
| Deposits / shares | $569.0M | $192.2M |
| Capital ratio | 9.02% | 12.96% (stronger) |
| Problem loans | 0.18% | 0.02% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.73% (stronger) | 1.24% |
| Loans ÷ deposits | 66.5% (stronger) | 80.9% |
| Uninsured deposits | 26.2% | 16.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
Bank of Jamestown has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 3 and Bank of Jamestown on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.