Side-by-side · Q2 2026 data
The First State Bank of Malta vs The First State Bank of Shelby
Metric by metric
| Measure | The First State Bank of Malta | The First State Bank of Shelby |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 27 | 100 (stronger) |
| Earnings | 61 | 71 (stronger) |
| Funding & liquidity | 94 (stronger) | 89 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 43rd | 98th |
| Total assets | $189.7M | $175.6M |
| Deposits / shares | $164.9M | $148.5M |
| Capital ratio | 14.36% | 19.38% (stronger) |
| Problem loans | 2.20% | 0.00% (stronger) |
| Net charge-offs | -0.10% | -0.56% (stronger) |
| Return on assets | 1.03% | 1.28% (stronger) |
| Loans ÷ deposits | 40.6% | 16.5% (stronger) |
| Uninsured deposits | 20.6% (stronger) | 24.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Shelby has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Malta leads on 1 and The First State Bank of Shelby on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.