Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Central Penn Bank & Trust
Metric by metric
| Measure | The Juniata Valley Bank | Central Penn Bank & Trust |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 36 | 40 (stronger) |
| Loan quality | 98 (stronger) | 73 |
| Earnings | 66 | 84 (stronger) |
| Funding & liquidity | 76 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 43rd | 44th |
| Total assets | $917.9M | $1.3B |
| Deposits / shares | $805.8M | $1.1B |
| Capital ratio | 8.56% | 9.01% (stronger) |
| Problem loans | 0.05% (stronger) | 0.80% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.16% | 1.61% (stronger) |
| Loans ÷ deposits | 78.0% (stronger) | 81.6% |
| Uninsured deposits | 20.4% | 18.8% (stronger) |
| Offices | 15 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | 1.8% |
The Juniata Valley Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 4 and Central Penn Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.