Shelby County State Bank (Shelbyville, IL)
BankRegReports is independent of Shelby County State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Shelby County State Bank is an FDIC-insured commercial bank headquartered in Shelbyville, IL, established in 1895 (FDIC certificate 11702), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $363.2M, up 1.5% from Q2 2025, the 130th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11702
- Headquarters
- Shelbyville, IL
- Established
- 1895
- Total assets, Q2 2026
- $363.2M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 10.44%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071104692
- Latest call report
- Q2 2026, FFIEC 051 · Shelby County State Bank call report
- Holding company
- SHELBY COUNTY BANCORP, INC.
- Asset rank in state
- 130th of 319 in Illinois
Shelby County State Bank is one of the more profitable banks of its size. The Shelbyville, Illinois bank had $363 million in assets at June 30, 2026, up 1.5% from a year earlier. It returns 21.7% a year on shareholders' equity, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 12.6%). It also lost 1.9% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.6 million, 40% above the same quarter a year earlier. Over the same year, loans grew 7.2% and deposits shrank 1.9%.
As of June 30, 2026, Shelby County State Bank reported a return on assets of 1.78%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 3.94%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Shelby County State Bank is the 130th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $363.2M, loans rose 1.3% and deposits rose 0.2%. Farmland and other real estate loans made up 35.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.8%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IL; its Shelbyville 2 offices book 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Shelby County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 130 S Morgan St, Shelbyville, IL 62565
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 11, 1895
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $324.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $42K
- Average total assets
- $371.3M
- Average total loans
- $252.9M
- Average interest-bearing deposits
- $269.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11702
- Fed RSSD
- 235446
- SEC CIK
- 876621 → filed by SHELBY COUNTY BANCORP, INC.
- Website
- www.scs-bank.com →
- Parent Holding Company
- SHELBY COUNTY BANCORP, INC. (RSSD 1138058)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Shelby County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Shelby County State Bank's total assets ranged from $326.7M (Q3 2023) to $363.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$363.2M total assets against $358.0M; $332.8M total liabilities against $334.8M.
$255.2M net loans and leases against $237.8M; $324.7M total deposits against $331.1M.
$96.9M securities against $99.8M; $3.6M cash and balances due against $13.5M.
$4.5M total interest income against $4.1M; $1.0M total interest expense against $1.1M.
$3.5M net interest income against $3.1M.
$263K total noninterest income against $247K; $2.0M total noninterest expense against $2.1M.
$60K provision for credit losses against $0.
$1.6M net income against $1.2M.
1.78% return on assets against 1.30%; 3.93% net interest margin against 3.56%.
10.44% tier 1 leverage ratio against 9.82%.
Inside the full Shelby County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeShelby County State Bank rankings
Its closest position to the top of a national ranking is 779 of 3,611, for ROA; its furthest is 2,180 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.78% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 3.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.78% | 0.31% | 3.94% | 3.93% |
| Q1 2026 | 10.32% | 1.54% | 0.33% | 4.05% | 3.66% |
| Q4 2025 | 10.04% | 1.22% | 0.33% | 4.31% | 3.59% |
| Q3 2025 | 10.09% | 1.52% | 0.35% | 4.58% | 3.68% |
| Q2 2025 | 9.82% | 1.30% | 0.53% | 6.98% | 3.56% |
| Q1 2025 | 9.77% | 1.34% | 0.42% | 5.68% | 3.47% |
| Q4 2024 | 9.46% | 0.98% | 0.36% | 5.72% | 3.44% |
| Q3 2024 | 9.45% | 0.99% | 0.36% | 5.33% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Shelby County State Bank (main office) | Shelbyville , IL | 62565 | $222.0M |
| Windsor Facility | Windsor , IL | 61957 | $30.9M |
| Strasburg Branch | Strasburg , IL | 62465 | $28.8M |
| Findlay Branch | Findlay , IL | 62534 | $22.5M |
| Moweaqua Branch | Moweaqua , IL | 62550 | $20.4M |
| 1501 West Main Street Branch | Shelbyville , IL | 62565 | $1K |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1995 | Structure Change | Acquired Strasburg State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired Bank of Findlay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1987 | Structure Change | Acquired Windsor State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 8, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 149 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Shelby County State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Shelby County State Bank
What are Shelby County State Bank's total assets?
As of the Q2 2026 filing, Shelby County State Bank reported total assets of $363.2 million in its FFIEC call report.
Where is Shelby County State Bank headquartered?
It is headquartered in Shelbyville, IL, United States.
When was Shelby County State Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Shelby County State Bank FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Shelby County State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shelby County State Bank's Texas Ratio?
Its Texas Ratio is 3.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Shelby County State Bank.
Get an email when Shelby County State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Shelby County State Bank, freeFree account