Side-by-side · Q2 2026 data
State Savings Bank vs The Shelby State Bank
Metric by metric
| Measure | State Savings Bank | The Shelby State Bank |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 34 | 56 (stronger) |
| Funding & liquidity | 67 | 95 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 20th | 53rd |
| Total assets | $431.2M | $397.0M |
| Deposits / shares | $391.6M | $339.5M |
| Capital ratio | 8.79% | 9.06% (stronger) |
| Problem loans | 0.20% | 0.01% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 0.35% | 0.90% (stronger) |
| Loans ÷ deposits | 82.6% | 63.6% (stronger) |
| Uninsured deposits | 24.9% | 16.4% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 14.9% |
The Shelby State Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 1 and The Shelby State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.