Side-by-side · Q2 2026 data
The Shelby County State Bank vs Audubon State Bank
Metric by metric
| Measure | The Shelby County State Bank | Audubon State Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 50 | 55 (stronger) |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 54 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $523.6M | $155.3M |
| Deposits / shares | $462.9M | $131.0M |
| Capital ratio | 10.00% | 10.46% (stronger) |
| Problem loans | 0.40% | 0.20% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.43% | 2.38% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 93.0% |
| Uninsured deposits | 16.9% (stronger) | 26.7% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Audubon State Bank 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 Audubon State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.