Side-by-side · Q2 2026 data
Security Trust & Savings Bank vs The Shelby County State Bank
Metric by metric
| Measure | Security Trust & Savings Bank | The Shelby County State Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 54 (stronger) | 50 |
| Loan quality | 74 | 87 (stronger) |
| Earnings | 70 | 77 (stronger) |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 43rd | 57th |
| Total assets | $266.4M | $523.6M |
| Deposits / shares | $239.4M | $462.9M |
| Capital ratio | 10.41% (stronger) | 10.00% |
| Problem loans | 0.78% | 0.40% (stronger) |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.24% | 1.43% (stronger) |
| Loans ÷ deposits | 32.7% (stronger) | 74.9% |
| Uninsured deposits | 34.1% | 16.9% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Shelby County State Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Security Trust & Savings Bank leads on 2 and The Shelby County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.