Side-by-side · Q2 2026 data
Shelby County State Bank vs Crossroads Bank
Metric by metric
| Measure | Shelby County State Bank | Crossroads Bank |
|---|---|---|
| TellerScore | 76 | 93 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 90 | 98 (stronger) |
| Earnings | 88 (stronger) | 76 |
| Funding & liquidity | 71 | 88 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 64th | 98th |
| Total assets | $363.2M | $234.7M |
| Deposits / shares | $324.7M | $195.0M |
| Capital ratio | 10.44% | 15.97% (stronger) |
| Problem loans | 0.31% | 0.06% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.70% (stronger) | 1.39% |
| Loans ÷ deposits | 78.6% | 71.9% (stronger) |
| Uninsured deposits | 25.0% | 10.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Crossroads Bank has the higher TellerScore (93 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Shelby County State Bank leads on 1 and Crossroads Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.