Side-by-side · Q2 2026 data
Shelby County State Bank vs State Street Bank and Trust Company
Metric by metric
| Measure | Shelby County State Bank | State Street Bank and Trust Company |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 54 (stronger) | 50 |
| Loan quality | 90 (stronger) | 87 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 64th | 68th |
| Total assets | $363.2M | $357.1M |
| Deposits / shares | $324.7M | $315.5M |
| Capital ratio | 10.44% (stronger) | 9.99% |
| Problem loans | 0.31% (stronger) | 0.39% |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 1.70% | 2.40% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 88.8% |
| Uninsured deposits | 25.0% | 9.6% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Street Bank and Trust Company has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Shelby County State Bank leads on 4 and State Street Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.