SHELBY COUNTY STATE BANK
SHELBY COUNTY STATE BANK is an FDIC-insured commercial bank headquartered in SHELBYVILLE, IL, established in 1895. As of , 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 3.49%. CET1 capital ratio: 7.88%. NPL ratio: 0.33% · Texas Ratio: 4.31%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Shelby County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 7.88% | 1.24% | 0.33% | 4.31% | 3.49% |
| 2025-09-30 | 7.57% | 1.53% | 0.35% | 4.58% | 3.58% |
| 2025-06-30 | 6.48% | 1.33% | 0.53% | 6.98% | 3.48% |
| 2025-03-31 | 6.87% | 1.38% | 0.42% | 5.68% | 3.38% |
| 2024-12-31 | 6.48% | 1.02% | 0.36% | 5.72% | 3.37% |
| 2024-09-30 | 7.06% | 1.01% | 0.36% | 5.33% | 3.36% |
| 2024-06-30 | 6.32% | 1.00% | 0.40% | 6.04% | 3.37% |
| 2024-03-31 | 6.40% | 0.87% | 0.41% | 6.10% | 3.39% |
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Frequently asked about SHELBY COUNTY STATE BANK
What are Shelby County State Bank's total assets?
As of the Q4 2025 filing, Shelby County State Bank reported total assets of $362.1 million in its most recent 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 required of all FDIC-insured commercial banks.
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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Shelby County State Bank's CET1 capital ratio?
Shelby County State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 7.88% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Shelby County State Bank operate?
Shelby County State Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Shelby County State Bank's Texas Ratio?
Shelby County State Bank's Texas Ratio is 4.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.