Side-by-side · Q2 2026 data
Scott State Bank vs Shelby County State Bank
Metric by metric
| Measure | Scott State Bank | Shelby County State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 87 (stronger) | 54 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 65 | 88 (stronger) |
| Funding & liquidity | 92 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 90th | 64th |
| Total assets | $203.5M | $363.2M |
| Deposits / shares | $178.0M | $324.7M |
| Capital ratio | 13.67% (stronger) | 10.44% |
| Problem loans | 0.24% (stronger) | 0.31% |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.12% | 1.70% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 78.6% |
| Uninsured deposits | 17.9% (stronger) | 25.0% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Scott State Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 6 and Shelby County State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.