Side-by-side · Q2 2026 data
The First National Bank of Livingston vs Shelby Savings Bank, SSB
Metric by metric
| Measure | The First National Bank of Livingston | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 98 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 98 (stronger) | 65 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 93 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 100th | 40th |
| Total assets | $467.2M | $457.4M |
| Deposits / shares | $398.3M | $367.3M |
| Capital ratio | 15.54% (stronger) | 11.11% |
| Problem loans | 0.05% (stronger) | 1.05% |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 2.36% (stronger) | 1.53% |
| Loans ÷ deposits | 56.1% (stronger) | 84.1% |
| Uninsured deposits | 21.2% (stronger) | 24.3% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
The First National Bank of Livingston has the higher TellerScore (98 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Livingston leads on 7 and Shelby Savings Bank, SSB on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.