Side-by-side · Q2 2026 data
The Shelby County State Bank vs Community Bank
Metric by metric
| Measure | The Shelby County State Bank | Community Bank |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 50 | 60 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 83 (stronger) | 77 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 57th | 64th |
| Total assets | $523.6M | $138.3M |
| Deposits / shares | $462.9M | $122.7M |
| Capital ratio | 10.00% | 10.99% (stronger) |
| Problem loans | 0.40% | 0.28% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.72% |
| Return on assets | 1.43% (stronger) | 1.27% |
| Loans ÷ deposits | 74.9% (stronger) | 77.8% |
| Uninsured deposits | 16.9% (stronger) | 19.8% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Community Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 4 and Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.