Side-by-side · Q2 2026 data
Shelby County State Bank vs Bank of O'Fallon
Metric by metric
| Measure | Shelby County State Bank | Bank of O'Fallon |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 54 | 88 (stronger) |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 88 | 91 (stronger) |
| Funding & liquidity | 71 (stronger) | 55 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 64th | 80th |
| Total assets | $363.2M | $377.5M |
| Deposits / shares | $324.7M | $324.1M |
| Capital ratio | 10.44% | 13.82% (stronger) |
| Problem loans | 0.31% (stronger) | 0.69% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.70% | 1.78% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 86.1% |
| Uninsured deposits | 25.0% (stronger) | 32.4% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of O'Fallon has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Shelby County State Bank leads on 3 and Bank of O'Fallon on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.