Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs The First State Bank of Shelby
Metric by metric
| Measure | Citizens Bank & Trust Company | The First State Bank of Shelby |
|---|---|---|
| TellerScore | 49 | 93 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 83 | 89 (stronger) |
| Problem-loan coverage | 67 | 100 (stronger) |
| Peer percentile | 6th | 98th |
| Total assets | $155.4M | $175.6M |
| Deposits / shares | $127.2M | $148.5M |
| Capital ratio | 9.92% | 19.38% (stronger) |
| Problem loans | 3.15% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.56% (stronger) |
| Return on assets | 1.43% (stronger) | 1.28% |
| Loans ÷ deposits | 74.2% | 16.5% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 24.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Shelby has the higher TellerScore (93 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and The First State Bank of Shelby on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.