SHELBY COUNTY STATE BANK

HARLAN, IA | Medium | Est. Aug. 2, 1909, midnight | FDIC #1553 | RSSD #536349 | FDIC
Latest Report: 2025-12-31

SHELBY COUNTY STATE BANK is amn medium FDIC-insured commercial bank headquartered in HARLAN, IA, established in Aug. 2, 1909, midnight. As of 2025-12-31, the bank reported total assets of $530M and total deposits of $469M. Profitability stands at 1.22% ROA and 11.18% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 12.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.43%. FDIC Certificate #1553.

Assets

$530M

Deposits

$469M

Loans

$372M

Equity

$58M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 11.18%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.31%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.43%
NPA Ratio 0.29%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 12.69%
Tier 1 Capital 12.69%
Total Capital Ratio 13.79%
Leverage Ratio 9.67%
Loan-to-Deposit 79.44%

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