Side-by-side · Q2 2026 data
First State Bank vs Shelby Savings Bank, SSB
Metric by metric
| Measure | First State Bank | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 62 | 69 (stronger) |
| Capital cushion | 45 | 61 (stronger) |
| Loan quality | 54 | 65 (stronger) |
| Earnings | 99 (stronger) | 81 |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 74 | 84 (stronger) |
| Peer percentile | 22nd | 40th |
| Total assets | $478.1M | $457.4M |
| Deposits / shares | $429.1M | $367.3M |
| Capital ratio | 9.48% | 11.11% (stronger) |
| Problem loans | 1.38% | 1.05% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.16% |
| Return on assets | 1.98% (stronger) | 1.53% |
| Loans ÷ deposits | 81.5% (stronger) | 84.1% |
| Uninsured deposits | 36.2% | 24.3% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 10.5% |
Shelby Savings Bank, SSB has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Shelby Savings Bank, SSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.