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.
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