Side-by-side · Q2 2026 data
The First National Bank of Raymond vs Jersey State Bank
Metric by metric
| Measure | The First National Bank of Raymond | Jersey State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 75 |
| Capital cushion | 59 | 83 (stronger) |
| Loan quality | 86 (stronger) | 61 |
| Earnings | 73 (stronger) | 53 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 72nd | 61st |
| Total assets | $187.1M | $190.1M |
| Deposits / shares | $172.3M | $167.5M |
| Capital ratio | 10.91% | 13.30% (stronger) |
| Problem loans | 0.42% (stronger) | 1.18% |
| Net charge-offs | -0.10% (stronger) | -0.01% |
| Return on assets | 1.33% (stronger) | 0.83% |
| Loans ÷ deposits | 47.4% (stronger) | 57.2% |
| Uninsured deposits | 19.7% | 7.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 2.9% |
The First National Bank of Raymond has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Raymond leads on 5 and Jersey State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.