Side-by-side · Q2 2026 data
First State Bank of Beecher City vs Shelby County State Bank
Metric by metric
| Measure | First State Bank of Beecher City | Shelby County State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 73 | 90 (stronger) |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 92nd | 64th |
| Total assets | $112.2M | $363.2M |
| Deposits / shares | $93.7M | $324.7M |
| Capital ratio | 15.98% (stronger) | 10.44% |
| Problem loans | 0.81% | 0.31% (stronger) |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 2.72% (stronger) | 1.70% |
| Loans ÷ deposits | 87.9% | 78.6% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 25.0% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Beecher City leads on 4 and Shelby County State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.