Side-by-side · Q2 2026 data
The Shelby County State Bank vs Farmers State Bank
Metric by metric
| Measure | The Shelby County State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 50 | 81 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 77 (stronger) | 65 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 84th |
| Total assets | $523.6M | $36.7M |
| Deposits / shares | $462.9M | $31.5M |
| Capital ratio | 10.00% | 13.07% (stronger) |
| Problem loans | 0.40% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.02% (stronger) |
| Return on assets | 1.43% (stronger) | 1.13% |
| Loans ÷ deposits | 74.9% | 39.1% (stronger) |
| Uninsured deposits | 16.9% | 12.7% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 1 and Farmers State Bank on 6. 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.