Shelby County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shelby County State Bank of Shelbyville, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.78% | 1.34% | +0.44% | 77th top |
| ROAE | 21.74% | 13.31% | +8.43% | 91st top |
| Net Interest Margin | 3.93% | 3.93% | +0.00% | 49th below |
| Efficiency Ratio | 51.16% | 61.14% | -9.98% | 79th top |
| PPNR / Avg Assets | 1.91% | 1.68% | +0.23% | 68th above |
| Yield on Earning Assets | 5.09% | 5.67% | -0.58% | 27th below |
| Cost of Funds | 1.27% | 1.88% | -0.61% | 81st top |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 0.68% | 1.28% | -0.60% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 217.06% | 1539.18% | -1322.12% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.94% | 7.33% | -3.39% | 47th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 228.57% | 1396.11% | -1167.54% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.44% | 12.14% | -1.70% | 40th below |
| Equity / Assets | 8.39% | 11.38% | -2.99% | 18th bottom |
| TCE / Tangible Assets | 8.39% | 11.09% | -2.70% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.13% | 80.64% | -1.51% | 53rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.39% | 86.86% | +0.53% | 40th below |
| Wholesale Funding Ratio | 1.85% | 5.03% | -3.18% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.47% | 6.85% | -5.38% | 29th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.21% | 7.90% | -0.69% | 61st above |
| Deposit Growth (Y/Y) | -1.94% | 6.29% | -8.23% | 14th bottom |
See Shelby County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shelby County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shelby County State Bank profile, how to read a UBPR, or how this data updates.