Shelby County State Bank
Shelby County State Bank is the primary bank subsidiary of its parent holding company, headquartered in Shelbyville, IL. Total assets stand at $361M. Profitability is strong — 1.54% ROA, paired with 19.50% ROE and a 3.66% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.32% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.33% NPLs and a 4.05% Texas Ratio. 6 branches make up the footprint.
Headquarters Profile
- Address
- 130 S Morgan St, SHELBYVILLE, IL 62565
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 9
- Established
- May 11, 1895
- Branches
- 6 domestic
- Employees (FTE)
- 51
- FDIC Cert
- 11702
- Fed RSSD
- 235446
- Website
- www.scs-bank.com →
- Parent Holding Company
- SHELBY COUNTY BANCORP, INC. (RSSD 1138058)
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Shelby County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about Shelby County State Bank
What are Shelby County State Bank's total assets?
As of the Q1 2026 filing, Shelby County State Bank reported total assets of $361.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shelby County State Bank headquartered?
Shelby County State Bank is headquartered in SHELBYVILLE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Shelby County State Bank founded?
Shelby County State Bank was established in 1895, per the FDIC institution directory.
Is Shelby County State Bank FDIC-insured?
Yes. Shelby County State Bank is an FDIC-insured commercial bank (FDIC Certificate #11702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shelby County State Bank?
Shelby County State Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Shelby County State Bank operate?
Shelby County State Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Shelby County State Bank's Texas Ratio?
Shelby County State Bank's Texas Ratio is 4.05% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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