Side-by-side · Q2 2026 data
ChoiceOne Bank vs The Shelby State Bank
Metric by metric
| Measure | ChoiceOne Bank | The Shelby State Bank |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 43 (stronger) | 41 |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 69 (stronger) | 56 |
| Funding & liquidity | 56 | 95 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 24th | 53rd |
| Total assets | $4.5B | $397.0M |
| Deposits / shares | $3.6B | $339.5M |
| Capital ratio | 9.30% (stronger) | 9.06% |
| Problem loans | 1.00% | 0.01% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.24% (stronger) | 0.90% |
| Loans ÷ deposits | 84.3% | 63.6% (stronger) |
| Uninsured deposits | 33.0% | 16.4% (stronger) |
| Offices | 48 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 14.9% |
The Shelby State Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), ChoiceOne Bank leads on 3 and The Shelby State Bank on 4. 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.