Side-by-side · Q2 2026 data
First National Community Bank vs Shell Lake State Bank
Metric by metric
| Measure | First National Community Bank | Shell Lake State Bank |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 74 | 79 (stronger) |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 47th | 88th |
| Total assets | $345.3M | $361.8M |
| Deposits / shares | $311.8M | $314.2M |
| Capital ratio | 9.38% | 12.31% (stronger) |
| Problem loans | 0.16% | 0.03% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.35% | 1.48% (stronger) |
| Loans ÷ deposits | 75.5% (stronger) | 75.6% |
| Uninsured deposits | 33.8% | 10.8% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | — |
Shell Lake State Bank has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 1 and Shell Lake State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.