Side-by-side · Q2 2026 data
The Shelby County State Bank vs Peoples Bank
Metric by metric
| Measure | The Shelby County State Bank | Peoples Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 50 (stronger) | 31 |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 77 (stronger) | 67 |
| Funding & liquidity | 83 (stronger) | 58 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 57th | 29th |
| Total assets | $523.6M | $529.6M |
| Deposits / shares | $462.9M | $464.3M |
| Capital ratio | 10.00% (stronger) | 8.09% |
| Problem loans | 0.40% | 0.15% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.43% (stronger) | 1.17% |
| Loans ÷ deposits | 74.9% | 72.9% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 41.6% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.2% |
The Shelby County State Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 4 and Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.