Side-by-side · Q2 2026 data
Sterling Bank vs Shell Lake State Bank
Metric by metric
| Measure | Sterling Bank | Shell Lake State Bank |
|---|---|---|
| TellerScore | 77 | 85 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 86 (stronger) | 79 |
| Funding & liquidity | 77 | 85 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 88th |
| Total assets | $352.4M | $361.8M |
| Deposits / shares | $314.5M | $314.2M |
| Capital ratio | 9.37% | 12.31% (stronger) |
| Problem loans | 0.02% (stronger) | 0.03% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.64% (stronger) | 1.48% |
| Loans ÷ deposits | 81.2% | 75.6% (stronger) |
| Uninsured deposits | 17.5% | 10.8% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shell Lake State Bank has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Sterling Bank leads on 2 and Shell Lake State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.