Side-by-side · Q2 2026 data
Local Bank vs Shamrock Bank, N.A.
Metric by metric
| Measure | Local Bank | Shamrock Bank, N.A. |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 64 (stronger) | 58 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 34 | 90 (stronger) |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 31st | 75th |
| Total assets | $463.1M | $501.5M |
| Deposits / shares | $382.6M | $452.9M |
| Capital ratio | 11.35% (stronger) | 10.79% |
| Problem loans | 0.52% | 0.29% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 0.34% | 1.76% (stronger) |
| Loans ÷ deposits | 91.0% | 71.3% (stronger) |
| Uninsured deposits | 14.4% (stronger) | 25.3% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Shamrock Bank, N.A. has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 2 and Shamrock Bank, N.A. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.