Side-by-side · Q2 2026 data
The Shelby County State Bank vs American Bank, National Association
Metric by metric
| Measure | The Shelby County State Bank | American Bank, National Association |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 50 | 57 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 77 | 94 (stronger) |
| Funding & liquidity | 83 (stronger) | 46 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $523.6M | $533.0M |
| Deposits / shares | $462.9M | $445.0M |
| Capital ratio | 10.00% | 10.68% (stronger) |
| Problem loans | 0.40% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.04% (stronger) |
| Return on assets | 1.43% | 1.85% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 107.7% |
| Uninsured deposits | 16.9% (stronger) | 21.4% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Bank, National Association has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 2 and American Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.