Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs Shelby Savings Bank, SSB
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 88 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 80 (stronger) | 65 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 60 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 98th | 40th |
| Total assets | $3.3B | $457.4M |
| Deposits / shares | $2.8B | $367.3M |
| Capital ratio | 15.12% (stronger) | 11.11% |
| Problem loans | 0.60% (stronger) | 1.05% |
| Net charge-offs | 0.05% (stronger) | 0.16% |
| Return on assets | 2.08% (stronger) | 1.53% |
| Loans ÷ deposits | 88.0% | 84.1% (stronger) |
| Uninsured deposits | 26.0% | 24.3% (stronger) |
| Offices | 38 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 10.5% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 5 and Shelby Savings Bank, SSB on 2. 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.