Side-by-side · Q2 2026 data
The Shelby State Bank vs Chelsea State Bank
Metric by metric
| Measure | The Shelby State Bank | Chelsea State Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 41 | 78 (stronger) |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 56 | 83 (stronger) |
| Funding & liquidity | 95 (stronger) | 80 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 53rd | 61st |
| Total assets | $397.0M | $416.5M |
| Deposits / shares | $339.5M | $366.0M |
| Capital ratio | 9.06% | 12.76% (stronger) |
| Problem loans | 0.01% (stronger) | 1.33% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 0.90% | 1.57% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 69.0% |
| Uninsured deposits | 16.4% (stronger) | 25.5% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
Chelsea State Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 3 and Chelsea State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.