Side-by-side · Q2 2026 data
Trinity Capital Bank of Texas vs Shelby Savings Bank, SSB
Metric by metric
| Measure | Trinity Capital Bank of Texas | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 46 | 61 (stronger) |
| Loan quality | 89 (stronger) | 65 |
| Earnings | 86 (stronger) | 81 |
| Funding & liquidity | 45 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 40th | 40th |
| Total assets | $456.6M | $457.4M |
| Deposits / shares | $355.1M | $367.3M |
| Capital ratio | 9.56% | 11.11% (stronger) |
| Problem loans | 0.33% (stronger) | 1.05% |
| Net charge-offs | -0.03% (stronger) | 0.16% |
| Return on assets | 1.64% (stronger) | 1.53% |
| Loans ÷ deposits | 100.0% | 84.1% (stronger) |
| Uninsured deposits | 29.1% | 24.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.7% | 10.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Trinity Capital Bank of Texas leads on 3 and Shelby Savings Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.