Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs The Shelby State Bank
Metric by metric
| Measure | Lake-Osceola State Bank | The Shelby State Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 75 (stronger) | 41 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 84 (stronger) | 56 |
| Funding & liquidity | 87 | 95 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 88th | 53rd |
| Total assets | $469.4M | $397.0M |
| Deposits / shares | $403.4M | $339.5M |
| Capital ratio | 12.53% (stronger) | 9.06% |
| Problem loans | 0.24% | 0.01% (stronger) |
| Net charge-offs | 0.16% | 0.03% (stronger) |
| Return on assets | 1.60% (stronger) | 0.90% |
| Loans ÷ deposits | 62.4% (stronger) | 63.6% |
| Uninsured deposits | 24.8% | 16.4% (stronger) |
| Offices | 12 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 4 and The Shelby State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.