Side-by-side · Q2 2026 data
The Juniata Valley Bank vs MCS Bank
Metric by metric
| Measure | The Juniata Valley Bank | MCS Bank |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 36 | 67 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 66 (stronger) | 55 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 43rd | 53rd |
| Total assets | $917.9M | $224.7M |
| Deposits / shares | $805.8M | $196.1M |
| Capital ratio | 8.56% | 11.69% (stronger) |
| Problem loans | 0.05% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.16% (stronger) | 0.87% |
| Loans ÷ deposits | 78.0% (stronger) | 93.7% |
| Uninsured deposits | 20.4% | 9.3% (stronger) |
| Offices | 15 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
MCS Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 4 and MCS Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lewistown, PA
- Belleville, PA
- Burnham, PA