Side-by-side · Q2 2026 data
PNC Bank, National Association vs The Shelby State Bank
Metric by metric
| Measure | PNC Bank, National Association | The Shelby State Bank |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 40 | 41 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 73 (stronger) | 56 |
| Funding & liquidity | 48 | 95 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 53rd |
| Total assets | $609.8B | $397.0M |
| Deposits / shares | $457.8B | $339.5M |
| Capital ratio | 8.98% | 9.06% (stronger) |
| Problem loans | 0.74% | 0.01% (stronger) |
| Net charge-offs | 0.24% | 0.03% (stronger) |
| Return on assets | 1.32% (stronger) | 0.90% |
| Loans ÷ deposits | 79.7% | 63.6% (stronger) |
| Uninsured deposits | 44.8% | 16.4% (stronger) |
| Offices | 2,305 | 9 |
| CFPB complaints (3 yrs) | 9,281 | — |
| Complaints per $1B deposits | 20.3 | — |
| Mortgage denial rate (HMDA) | 33.8% | 14.9% |
The Shelby State Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), PNC Bank, National Association leads on 1 and The Shelby State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.