Side-by-side · Q2 2026 data
The First State Bank of Shelby vs Independence Bank
Metric by metric
| Measure | The First State Bank of Shelby | Independence Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 71 | 97 (stronger) |
| Funding & liquidity | 89 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 98th | 95th |
| Total assets | $175.6M | $1.4B |
| Deposits / shares | $148.5M | $1.2B |
| Capital ratio | 19.38% (stronger) | 13.39% |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | -0.56% (stronger) | -0.00% |
| Return on assets | 1.28% | 1.93% (stronger) |
| Loans ÷ deposits | 16.5% (stronger) | 91.1% |
| Uninsured deposits | 24.9% (stronger) | 28.2% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
The First State Bank of Shelby has the higher TellerScore (93 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Shelby leads on 6 and Independence Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Shelby, MT