Side-by-side · Q2 2026 data
The Shelby State Bank vs Union Bank
Metric by metric
| Measure | The Shelby State Bank | Union Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 53 |
| Capital cushion | 41 (stronger) | 38 |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 95 (stronger) | 49 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 53rd | 9th |
| Total assets | $397.0M | $396.7M |
| Deposits / shares | $339.5M | $313.5M |
| Capital ratio | 9.06% (stronger) | 8.83% |
| Problem loans | 0.01% (stronger) | 1.07% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.75% |
| Loans ÷ deposits | 63.6% (stronger) | 100.6% |
| Uninsured deposits | 16.4% (stronger) | 25.0% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 19.4% |
The Shelby State Bank has the higher TellerScore (73 vs 53). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 6 and Union Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.