SHELBY COUNTY STATE BANK

SHELBYVILLE, IL | Small | Est. May 11, 1895, midnight | FDIC #11702 | RSSD #235446 | FED
Latest Report: 2025-12-31

SHELBY COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in SHELBYVILLE, IL, established in May 11, 1895, midnight. As of 2025-12-31, the bank reported total assets of $362M and total deposits of $317M. Profitability stands at 1.24% ROA and 16.04% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 7.88%. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 4.31%. FDIC Certificate #11702.

Assets

$362M

Deposits

$317M

Loans

$252M

Equity

$29M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 16.04%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.13%
Cost of Funds 1.38%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.13%
Texas Ratio 4.31%
NPA Ratio 0.36%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 7.88%
Tier 1 Capital 7.88%
Total Capital Ratio 8.27%
Leverage Ratio 10.04%
Loan-to-Deposit 79.51%

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