Shelby County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.17 percentage points higher than in Q1 2026, at 217.06%. Shelby County State Bank ranks 52nd of 323 Illinois banks on return on assets, in the upper half at 1.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Shelby County State Bank sits 0.52 points higher, at 1.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.94% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 217.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 21.74% |
| Net interest margin | 3.93% |
| Efficiency ratio | 51.16% |
| Yield on earning assets | 5.09% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.13% |
| Core deposits to total deposits | 87.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.39% |
| Securities to assets | 26.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.51% | 1.41% | 3.56% | 0.00% | 0.04% |
| Q4 2023 | 9.74% | 1.09% | 3.34% | 0.41% | -0.05% |
| Q1 2024 | 9.63% | 0.86% | 3.45% | 0.41% | 0.00% |
| Q2 2024 | 9.49% | 0.98% | 3.45% | 0.40% | 0.00% |
| Q3 2024 | 9.45% | 0.99% | 3.44% | 0.36% | 1.58% |
| Q4 2024 | 9.46% | 0.98% | 3.44% | 0.36% | 0.00% |
| Q1 2025 | 9.77% | 1.34% | 3.47% | 0.42% | 0.00% |
| Q2 2025 | 9.82% | 1.30% | 3.56% | 0.53% | 0.00% |
| Q3 2025 | 10.09% | 1.52% | 3.68% | 0.35% | 0.53% |
| Q4 2025 | 10.04% | 1.22% | 3.59% | 0.33% | -0.00% |
| Q1 2026 | 10.32% | 1.54% | 3.66% | 0.33% | 0.04% |
| Q2 2026 | 10.44% | 1.78% | 3.93% | 0.31% | 0.03% |
Shelby County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11702) · FFIEC NIC profile (RSSD 235446)