Side-by-side · Q2 2026 data
The First National Bank in Tremont vs Jersey State Bank
Metric by metric
| Measure | The First National Bank in Tremont | Jersey State Bank |
|---|---|---|
| TellerScore | 67 | 75 (stronger) |
| Capital cushion | 49 | 83 (stronger) |
| Loan quality | 78 (stronger) | 61 |
| Earnings | 57 (stronger) | 53 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 34th | 61st |
| Total assets | $187.6M | $190.1M |
| Deposits / shares | $166.1M | $167.5M |
| Capital ratio | 9.89% | 13.30% (stronger) |
| Problem loans | 0.66% (stronger) | 1.18% |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 0.92% (stronger) | 0.83% |
| Loans ÷ deposits | 74.6% | 57.2% (stronger) |
| Uninsured deposits | 22.1% | 7.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 2.9% |
Jersey State Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Tremont leads on 2 and Jersey State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.