Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Hamlin Bank and Trust Company
Metric by metric
| Measure | The Juniata Valley Bank | Hamlin Bank and Trust Company |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 98 (stronger) | 68 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 43rd | 94th |
| Total assets | $917.9M | $503.4M |
| Deposits / shares | $805.8M | $389.3M |
| Capital ratio | 8.56% | 19.96% (stronger) |
| Problem loans | 0.05% (stronger) | 0.96% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.16% | 3.02% (stronger) |
| Loans ÷ deposits | 78.0% | 77.4% (stronger) |
| Uninsured deposits | 20.4% | 13.3% (stronger) |
| Offices | 15 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 2 and Hamlin Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.