Side-by-side · Q2 2026 data
The Shelby State Bank vs First Community Bank
Metric by metric
| Measure | The Shelby State Bank | First Community Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 41 | 49 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 56 | 96 (stronger) |
| Funding & liquidity | 95 (stronger) | 53 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $397.0M | $413.6M |
| Deposits / shares | $339.5M | $358.3M |
| Capital ratio | 9.06% | 9.93% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.90% | 1.91% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 93.6% |
| Uninsured deposits | 16.4% (stronger) | 27.7% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 11.5% |
First Community Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.