Side-by-side · Q2 2026 data
Commercial Savings Bank vs The Shelby County State Bank
Metric by metric
| Measure | Commercial Savings Bank | The Shelby County State Bank |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 34 | 50 (stronger) |
| Loan quality | 67 | 87 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 49 | 83 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 22nd | 57th |
| Total assets | $348.8M | $523.6M |
| Deposits / shares | $292.7M | $462.9M |
| Capital ratio | 8.44% | 10.00% (stronger) |
| Problem loans | 0.99% | 0.40% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.04% (stronger) | 1.43% |
| Loans ÷ deposits | 97.3% | 74.9% (stronger) |
| Uninsured deposits | 27.2% | 16.9% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Shelby County State Bank has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Commercial Savings Bank leads on 2 and The Shelby County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.