SHELBY STATE BANK, THE

SHELBY STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in SHELBY, MI, established in March 2, 1910, midnight. As of 2025-12-31, the bank reported total assets of $386M and total deposits of $337M. Profitability stands at 1.14% ROA and 14.18% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 13.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.79%. FDIC Certificate #10157.