Side-by-side · Q2 2026 data
First National Bank & Trust Co. vs The Shelby State Bank
Metric by metric
| Measure | First National Bank & Trust Co. | The Shelby State Bank |
|---|---|---|
| TellerScore | 45 | 73 (stronger) |
| Capital cushion | 45 (stronger) | 41 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 54 | 56 (stronger) |
| Funding & liquidity | 96 (stronger) | 95 |
| Problem-loan coverage | 66 | 98 (stronger) |
| Peer percentile | 4th | 53rd |
| Total assets | $386.4M | $397.0M |
| Deposits / shares | $337.6M | $339.5M |
| Capital ratio | 9.48% (stronger) | 9.06% |
| Problem loans | 3.22% | 0.01% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 0.85% | 0.90% (stronger) |
| Loans ÷ deposits | 64.2% | 63.6% (stronger) |
| Uninsured deposits | 8.1% (stronger) | 16.4% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
The Shelby State Bank has the higher TellerScore (73 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Co. leads on 3 and The Shelby State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.