Side-by-side · Q2 2026 data
Waldo State Bank vs Johnson Bank
Metric by metric
| Measure | Waldo State Bank | Johnson Bank |
|---|---|---|
| TellerScore | 47 | 73 (stronger) |
| Capital cushion | 53 | 73 (stronger) |
| Loan quality | 19 | 92 (stronger) |
| Earnings | 47 | 72 (stronger) |
| Funding & liquidity | 68 (stronger) | 28 |
| Problem-loan coverage | 64 | 97 (stronger) |
| Peer percentile | 5th | 70th |
| Total assets | $154.2M | $7.1B |
| Deposits / shares | $127.4M | $5.6B |
| Capital ratio | 10.28% | 12.33% (stronger) |
| Problem loans | 2.44% | 0.23% (stronger) |
| Net charge-offs | -0.01% | -0.06% (stronger) |
| Return on assets | 0.68% | 1.30% (stronger) |
| Loans ÷ deposits | 92.1% (stronger) | 94.2% |
| Uninsured deposits | 9.1% (stronger) | 49.0% |
| Offices | 1 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Johnson Bank has the higher TellerScore (73 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Waldo State Bank leads on 2 and Johnson Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.