Bank Comparison
Shelby County State Bank vs F&m Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.32% | 11.10% |
| Equity / Assets | 8.37% | 10.93% |
Profitability
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 1.60% |
| Return on Equity (ROE) | 19.50% | 14.78% |
| Net Interest Margin (NIM) | 3.66% | 4.09% |
| Yield on Earning Assets | 4.85% | 5.74% |
| Cost of Funds | 1.30% | 1.69% |
Asset quality
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| Texas Ratio | 4.05% | 2.28% |
| Non-Performing Loan Ratio | 0.33% | 0.30% |
| Non-Performing Asset Ratio | 0.36% | 0.25% |
| Net Charge-Off Ratio | 0.04% | 0.01% |
| ACL / Loans | 0.67% | 1.25% |
Balance sheet
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| Total Assets | $361,070K | $361,098K |
| Total Deposits | $323,909K | $319,021K |
| Total Loans | $253,672K | $296,762K |
| Total Equity | $30,224K | $39,471K |
| Net Income (quarter) | $1,432K | $1,431K |
Liquidity & funding
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.32% | 93.02% |
| Core Deposit Ratio | 86.66% | 98.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Shelby County State Bank | F&m Bank |
|---|---|---|
| Headquarters City | SHELBYVILLE | WEST POINT |
| Headquarters State | IL | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 51 | 59 |
| Established | May 11, 1895, midnight | Jan. 1, 1931, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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