Side-by-side · Q2 2026 data
Shell Lake State Bank vs The Peoples Community Bank
Metric by metric
| Measure | Shell Lake State Bank | The Peoples Community Bank |
|---|---|---|
| TellerScore | 85 | 87 (stronger) |
| Capital cushion | 73 | 78 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 79 | 83 (stronger) |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 88th | 91st |
| Total assets | $361.8M | $388.8M |
| Deposits / shares | $314.2M | $339.7M |
| Capital ratio | 12.31% | 12.76% (stronger) |
| Problem loans | 0.03% (stronger) | 0.14% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.48% | 1.58% (stronger) |
| Loans ÷ deposits | 75.6% | 72.7% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 12.1% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
The Peoples Community Bank has the higher TellerScore (87 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 2 and The Peoples Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.