Side-by-side · Q2 2026 data
The Shelby County State Bank vs Central Bank
Metric by metric
| Measure | The Shelby County State Bank | Central Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 77 (stronger) | 58 |
| Funding & liquidity | 83 (stronger) | 43 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 57th | 36th |
| Total assets | $523.6M | $2.3B |
| Deposits / shares | $462.9M | $1.9B |
| Capital ratio | 10.00% | 10.09% (stronger) |
| Problem loans | 0.40% | 0.32% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.43% (stronger) | 0.96% |
| Loans ÷ deposits | 74.9% (stronger) | 105.6% |
| Uninsured deposits | 16.9% (stronger) | 25.5% |
| Offices | 10 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.5% |
The Shelby County State Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 4 and Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.