Bank Comparison
Juniata Valley Bank, the vs Visionbank of Iowa
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| CET1 Ratio | 11.67% | 10.44% |
| Tier 1 Capital Ratio | 11.67% | 10.44% |
| Total Capital Ratio | 12.79% | 11.51% |
| Tier 1 Leverage Ratio | 8.53% | 9.28% |
| Equity / Assets | 6.56% | 10.28% |
Profitability
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.42% |
| Return on Equity (ROE) | 19.28% | 13.93% |
| Net Interest Margin (NIM) | 3.48% | 3.68% |
| Yield on Earning Assets | 5.02% | 5.63% |
| Cost of Funds | 1.57% | 2.09% |
Asset quality
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| Texas Ratio | 0.51% | 6.16% |
| Non-Performing Loan Ratio | 0.05% | 0.72% |
| Non-Performing Asset Ratio | 0.03% | 0.61% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.19% | 1.09% |
Balance sheet
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| Total Assets | $900,948K | $899,898K |
| Total Deposits | $788,680K | $739,950K |
| Total Loans | $610,113K | $772,536K |
| Total Equity | $59,065K | $92,477K |
| Net Income (quarter) | $2,783K | $3,196K |
Liquidity & funding
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| Loan-to-Deposit Ratio | 77.36% | 104.40% |
| Core Deposit Ratio | 94.37% | 98.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Juniata Valley Bank, the | Visionbank of Iowa |
|---|---|---|
| Headquarters City | MIFFLINTOWN | AMES |
| Headquarters State | PA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 14 | 13 |
| Employees (FTE) | 125 | 130 |
| Established | Jan. 1, 1867, midnight | June 1, 1884, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Juniata Valley Bank, the profile | View full Visionbank of Iowa profile | Browse all bank comparisons