Side-by-side · Q2 2026 data
Shelby County State Bank vs OSB Community Bank
Metric by metric
| Measure | Shelby County State Bank | OSB Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 69 |
| Capital cushion | 54 | 66 (stronger) |
| Loan quality | 90 (stronger) | 88 |
| Earnings | 88 (stronger) | 58 |
| Funding & liquidity | 71 (stronger) | 42 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 64th | 40th |
| Total assets | $363.2M | $355.6M |
| Deposits / shares | $324.7M | $293.5M |
| Capital ratio | 10.44% | 11.64% (stronger) |
| Problem loans | 0.31% (stronger) | 0.36% |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 1.70% (stronger) | 0.95% |
| Loans ÷ deposits | 78.6% (stronger) | 104.1% |
| Uninsured deposits | 25.0% (stronger) | 27.6% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shelby County State Bank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Shelby County State Bank leads on 5 and OSB Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.