Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Cfsbank
Metric by metric
| Measure | The Juniata Valley Bank | Cfsbank |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 36 | 60 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 66 (stronger) | 29 |
| Funding & liquidity | 76 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 43rd | 31st |
| Total assets | $917.9M | $773.4M |
| Deposits / shares | $805.8M | $642.2M |
| Capital ratio | 8.56% | 10.96% (stronger) |
| Problem loans | 0.05% (stronger) | 0.24% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.16% (stronger) | 0.21% |
| Loans ÷ deposits | 78.0% | 77.1% (stronger) |
| Uninsured deposits | 20.4% (stronger) | 35.1% |
| Offices | 15 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | 8.5% |
The Juniata Valley Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 5 and Cfsbank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.