Side-by-side · Q2 2026 data
The Shelby County State Bank vs Midstates Bank, National Association
Metric by metric
| Measure | The Shelby County State Bank | Midstates Bank, National Association |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 50 | 66 (stronger) |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 77 | 80 (stronger) |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $523.6M | $653.9M |
| Deposits / shares | $462.9M | $570.2M |
| Capital ratio | 10.00% | 11.60% (stronger) |
| Problem loans | 0.40% | 0.29% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.43% | 1.49% (stronger) |
| Loans ÷ deposits | 74.9% | 73.7% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 30.2% |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
Midstates Bank, National Association has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 1 and Midstates Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Harlan, IA
- Avoca, IA