Side-by-side · Q2 2026 data
Waypoint Bank vs Jones Bank
Metric by metric
| Measure | Waypoint Bank | Jones Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 59 | 62 (stronger) |
| Loan quality | 80 | 87 (stronger) |
| Earnings | 91 (stronger) | 72 |
| Funding & liquidity | 62 | 88 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 61st | 68th |
| Total assets | $391.5M | $441.2M |
| Deposits / shares | $324.6M | $370.8M |
| Capital ratio | 10.87% | 11.18% (stronger) |
| Problem loans | 0.59% | 0.39% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.77% (stronger) | 1.30% |
| Loans ÷ deposits | 84.4% | 67.9% (stronger) |
| Uninsured deposits | 27.8% | 18.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Jones Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Waypoint Bank leads on 1 and Jones Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.