Side-by-side · Q2 2026 data
Farmers State Bank vs Shelby Savings Bank, SSB
Metric by metric
| Measure | Farmers State Bank | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 89 (stronger) | 69 |
| Capital cushion | 94 (stronger) | 61 |
| Loan quality | 80 (stronger) | 65 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 79 (stronger) | 66 |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 94th | 40th |
| Total assets | $391.5M | $457.4M |
| Deposits / shares | $335.0M | $367.3M |
| Capital ratio | 14.41% (stronger) | 11.11% |
| Problem loans | 0.59% (stronger) | 1.05% |
| Net charge-offs | -0.09% (stronger) | 0.16% |
| Return on assets | 2.05% (stronger) | 1.53% |
| Loans ÷ deposits | 68.0% (stronger) | 84.1% |
| Uninsured deposits | 26.9% | 24.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
Farmers State Bank has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 6 and Shelby Savings Bank, SSB on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.