Side-by-side · Q2 2026 data
The Shelby County State Bank vs Ohnward Bank & Trust
Metric by metric
| Measure | The Shelby County State Bank | Ohnward Bank & Trust |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 50 | 76 (stronger) |
| Loan quality | 87 (stronger) | 80 |
| Earnings | 77 (stronger) | 76 |
| Funding & liquidity | 83 (stronger) | 46 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 57th | 57th |
| Total assets | $523.6M | $499.1M |
| Deposits / shares | $462.9M | $417.6M |
| Capital ratio | 10.00% | 12.58% (stronger) |
| Problem loans | 0.40% (stronger) | 0.60% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.43% (stronger) | 1.39% |
| Loans ÷ deposits | 74.9% (stronger) | 92.9% |
| Uninsured deposits | 16.9% (stronger) | 33.7% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 4 and Ohnward Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.