Shelby County State Bank (Shelbyville, IL): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Shelby County State Bank is one of the more profitable banks of its size. The Shelbyville, Illinois bank had $363 million in assets at June 30, 2026, up 1.5% from a year earlier. It returns 21.7% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also lost 1.9% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.6 million, 40% above the same quarter a year earlier. Over the same year, loans grew 7.2% and deposits shrank 1.9%.
As of June 30, 2026, Shelby County State Bank reported a return on assets of 1.78%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 3.94%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 130 S Morgan St, Shelbyville, IL 62565
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 11, 1895
- Offices
- 6 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $324.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $42K
- Average total assets
- $371.3M
- Average total loans
- $252.9M
- Average interest-bearing deposits
- $269.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11702
- Fed RSSD
- 235446
- SEC CIK
- 876621 → filed by SHELBY COUNTY BANCORP, INC.
- Website
- www.scs-bank.com →
- Parent Holding Company
- SHELBY COUNTY BANCORP, INC. (RSSD 1138058)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Shelby County State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Shelby County State Bank, freeShelby County State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.78% | 0.31% | 3.94% | 3.93% |
| Q1 2026 | 10.32% | 1.54% | 0.33% | 4.05% | 3.66% |
| Q4 2025 | 10.04% | 1.22% | 0.33% | 4.31% | 3.59% |
| Q3 2025 | 10.09% | 1.52% | 0.35% | 4.58% | 3.68% |
| Q2 2025 | 9.82% | 1.30% | 0.53% | 6.98% | 3.56% |
| Q1 2025 | 9.77% | 1.34% | 0.42% | 5.68% | 3.47% |
| Q4 2024 | 9.46% | 0.98% | 0.36% | 5.72% | 3.44% |
| Q3 2024 | 9.45% | 0.99% | 0.36% | 5.33% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Shelby County State Bank (main office) | Shelbyville , IL | 62565 | $222.0M |
| Windsor Facility | Windsor , IL | 61957 | $30.9M |
| Strasburg Branch | Strasburg , IL | 62465 | $28.8M |
| Findlay Branch | Findlay , IL | 62534 | $22.5M |
| Moweaqua Branch | Moweaqua , IL | 62550 | $20.4M |
| 1501 West Main Street Branch | Shelbyville , IL | 62565 | $1K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1995 | Structure Change | Acquired Strasburg State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired Bank of Findlay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1987 | Structure Change | Acquired Windsor State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Shelby County State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 8, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 149 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Shelby County State Bank
What are Shelby County State Bank's total assets?
As of the Q2 2026 filing, Shelby County State Bank reported total assets of $363.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shelby County State Bank headquartered?
Shelby County State Bank is headquartered in Shelbyville, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Shelby County State Bank founded?
Shelby County State Bank was established in 1895, per the FDIC institution directory.
Is Shelby County State Bank FDIC-insured?
Yes. Shelby County State Bank is an FDIC-insured commercial bank (FDIC Certificate #11702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shelby County State Bank?
Shelby County State Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Shelby County State Bank operate?
Shelby County State Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shelby County State Bank's Texas Ratio?
Shelby County State Bank's Texas Ratio is 3.94% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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