BanksSHELBY COUNTY STATE BANK

SHELBY COUNTY STATE BANK

HARLAN, IAMediumEst. Aug. 2, 1909, midnightFDIC #1553RSSD #536349FDIC
Latest · 2025-12-31

SHELBY COUNTY STATE BANK is an 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%. CET1 capital ratio: 12.69%, well above regulatory minimums. NPL ratio: 0.41% · Texas Ratio: 2.43%. Operates 13 domestic branches.

Assets
$530M
Deposits
$469M
Loans
$372M
Equity
$58M

Profitability

Return on Assets (ROA)1.22%
Return on Equity (ROE)11.18%
Net Interest Margin3.87%
Yield on Assets5.31%
Cost of Funds1.49%

Asset Quality

NPL Ratio0.41%
Net Charge-Off Ratio0.06%
Texas Ratio2.43%
NPA Ratio0.29%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio12.69%
Tier 1 Capital12.69%
Total Capital Ratio13.79%
Leverage Ratio9.67%
Loan-to-Deposit79.44%

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