Bank Comparison
Shelby County State Bank vs Osb Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| CET1 Ratio | — | 15.22% |
| Tier 1 Capital Ratio | — | 15.22% |
| Total Capital Ratio | — | 16.48% |
| Tier 1 Leverage Ratio | 10.32% | 11.36% |
| Equity / Assets | 8.37% | 11.17% |
Profitability
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 0.73% |
| Return on Equity (ROE) | 19.50% | 6.59% |
| Net Interest Margin (NIM) | 3.66% | 3.26% |
| Yield on Earning Assets | 4.85% | 5.16% |
| Cost of Funds | 1.30% | 2.12% |
Asset quality
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| Texas Ratio | 4.05% | 2.40% |
| Non-Performing Loan Ratio | 0.33% | 0.06% |
| Non-Performing Asset Ratio | 0.36% | 0.05% |
| Net Charge-Off Ratio | 0.04% | 0.07% |
| ACL / Loans | 0.67% | 1.30% |
Balance sheet
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| Total Assets | $361,070K | $360,809K |
| Total Deposits | $323,909K | $298,354K |
| Total Loans | $253,672K | $312,078K |
| Total Equity | $30,224K | $40,314K |
| Net Income (quarter) | $1,432K | $663 |
Liquidity & funding
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.32% | 104.60% |
| Core Deposit Ratio | 86.66% | 79.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Shelby County State Bank | Osb Community Bank |
|---|---|---|
| Headquarters City | SHELBYVILLE | OTTAWA |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 51 | 45 |
| Established | May 11, 1895, midnight | Jan. 1, 1871, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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