Side-by-side · Q2 2026 data
First National Bank of Pana vs Shelby County State Bank
Metric by metric
| Measure | First National Bank of Pana | Shelby County State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 55 (stronger) | 54 |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 83 | 88 (stronger) |
| Funding & liquidity | 72 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 72nd | 64th |
| Total assets | $394.8M | $363.2M |
| Deposits / shares | $350.7M | $324.7M |
| Capital ratio | 10.55% (stronger) | 10.44% |
| Problem loans | 0.07% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.58% | 1.70% (stronger) |
| Loans ÷ deposits | 82.6% | 78.6% (stronger) |
| Uninsured deposits | 20.0% (stronger) | 25.0% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Pana has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pana leads on 5 and Shelby County State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.