Shelby County State Bank (Harlan, IA)
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Data as of · sourced from FFIEC call reports. How we update
Shelby County State Bank is an FDIC-insured commercial bank headquartered in Harlan, IA, established in 1909 (FDIC certificate 1553), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $523.6M, down 1.2% from Q2 2025, the 59th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1553
- Headquarters
- Harlan, IA
- Established
- 1909
- Total assets, Q2 2026
- $523.6M
- Assets vs Q2 2025
- -1.2%
- CET1 ratio, Q2 2026
- 13.64%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 073903396
- Holding company
- DANES HOLDINGS, INC.
- Asset rank in state
- 59th of 225 in Iowa
Shelby County State Bank, based in Harlan, Iowa, reported $524 million in assets at June 30, 2026, down 1.2% from a year earlier. It shrank its loan book 5.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.25% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.40% of loans from 1.00%. Loans and deposits moved in opposite directions: over the year loans fell 5.7% and deposits rose 0.6%.
As of June 30, 2026, Shelby County State Bank reported a CET1 capital ratio of 13.64%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Shelby County State Bank is the 59th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 3.0% to $523.6M, loans fell 2.1% and deposits fell 3.5%. Agricultural production loans made up 33.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.8%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in IA; its Harlan 2 offices book 44% of its branch deposits. Judged on its Q2 2026 call report, Shelby County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 508 Court St, Harlan, IA 51537
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- August 2, 1909
- Former names
- The Shelby County State Bank (1994)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $462.9M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $532.4M
- Average total loans
- $354.0M
- Average interest-bearing deposits
- $344.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1553
- Fed RSSD
- 536349
- Website
- www.scsbnet.com →
- Parent Holding Company
- DANES HOLDINGS, INC. (RSSD 4771979)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Shelby County State Bank's total assets ran between $523.6M (Q2 2026) and $564.7M (Q3 2024), 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
$523.6M total assets against $529.7M; $464.9M total liabilities against $472.9M.
$346.6M net loans and leases against $367.8M; $462.9M total deposits against $460.2M.
$105.2M securities against $111.3M; $34.0M cash and balances due against $14.3M.
$6.4M total interest income against $6.5M; $1.5M total interest expense against $1.9M.
$5.0M net interest income against $4.6M.
$628K total noninterest income against $494K; $3.1M total noninterest expense against $2.9M.
$50K provision for credit losses against $45K.
$2.0M net income against $1.7M.
1.49% return on assets against 1.23%; 4.07% net interest margin against 3.66%.
13.64% CET1 capital ratio against 12.57%; 10.00% tier 1 leverage ratio against 9.57%.
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 1,039 of 3,606, for efficiency ratio; its furthest is 1,215 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.08% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.64% | 1.49% | 0.40% | 2.73% | 4.07% |
| Q1 2026 | 13.24% | 1.37% | 0.62% | 4.28% | 3.88% |
| Q4 2025 | 12.69% | 1.20% | 0.45% | 3.24% | 3.83% |
| Q3 2025 | 12.73% | 1.25% | 0.40% | 2.91% | 3.68% |
| Q2 2025 | 12.57% | 1.23% | 1.17% | 7.50% | 3.66% |
| Q1 2025 | 12.72% | 1.21% | 0.26% | 1.95% | 3.54% |
| Q4 2024 | 12.65% | 1.13% | 0.24% | 1.83% | 3.29% |
| Q3 2024 | 12.87% | 1.02% | 0.27% | 1.98% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Shelby County State Bank | Harlan , IA | 51537 | $175.2M |
| Moorehead Avenue Branch | Ida Grove , IA | 51445 | $64.6M |
| Shelby Branch | Shelby , IA | 51570 | $50.2M |
| Panama Branch | Panama , IA | 51562 | $46.7M |
| Elk Horn Branch | Elk Horn , IA | 51531 | $27.8M |
| Harlan Branch | Harlan , IA | 51537 | $26.9M |
| Mapleton Branch | Mapleton , IA | 51034 | $20.1M |
| Danbury Branch | Danbury , IA | 51019 | $19.2M |
| Shelby County State Bank Branch | Avoca , IA | 51521 | $18.1M |
| Odebolt Branch | Odebolt , IA | 51458 | $14.2M |
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 |
|---|---|---|---|
| February 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2022 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1994 | Structure Change | Acquired The Shelby County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IA, rank 61 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $92K approved, $92K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
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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 $523.6 million in its FFIEC call report.
Where is Shelby County State Bank headquartered?
It is headquartered in Harlan, IA, United States.
When was Shelby County State Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Shelby County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1553). 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 FDIC.
What is Shelby County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Shelby County State Bank operate?
It operates 11 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 2.73% 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.
What was Shelby County State Bank previously called?
The charter now named Shelby County State Bank has also operated as The Shelby County State Bank (1994), per FDIC structure-change records.
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