Side-by-side · Q2 2026 data
The Shelby State Bank vs West Shore Bank
Metric by metric
| Measure | The Shelby State Bank | West Shore Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 56 |
| Capital cushion | 41 | 48 (stronger) |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 56 (stronger) | 53 |
| Funding & liquidity | 95 (stronger) | 56 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 53rd | 13th |
| Total assets | $397.0M | $833.6M |
| Deposits / shares | $339.5M | $720.2M |
| Capital ratio | 9.06% | 9.85% (stronger) |
| Problem loans | 0.01% (stronger) | 1.24% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.83% |
| Loans ÷ deposits | 63.6% (stronger) | 90.7% |
| Uninsured deposits | 16.4% (stronger) | 27.3% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
The Shelby State Bank has the higher TellerScore (73 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 5 and West Shore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hart, MI
- Ludington, MI