Side-by-side · Q2 2026 data
The Shelby County State Bank vs First Community Bank
Metric by metric
| Measure | The Shelby County State Bank | First Community Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 50 (stronger) | 44 |
| Loan quality | 87 (stronger) | 56 |
| Earnings | 77 | 79 (stronger) |
| Funding & liquidity | 83 | 83 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 57th | 26th |
| Total assets | $523.6M | $115.7M |
| Deposits / shares | $462.9M | $97.8M |
| Capital ratio | 10.00% (stronger) | 9.40% |
| Problem loans | 0.40% (stronger) | 1.32% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.43% | 1.47% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 76.9% |
| Uninsured deposits | 16.9% | 15.1% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Shelby County State Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 4 and First Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.