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 Harlan, IA 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 | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 13.53% | 13.31% | +0.22% | 57th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 52.98% | 61.14% | -8.16% | 75th top |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd 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 | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 326.99% | 1539.35% | -1212.36% | 62nd above |
| Texas Ratio | 2.73% | 7.33% | -4.60% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 157.53% | 1396.44% | -1238.91% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.64% | 19.51% | -5.87% | 35th below |
| Tier 1 Ratio | 13.64% | 19.54% | -5.90% | 35th below |
| Total Capital Ratio | 14.81% | 20.63% | -5.82% | 36th below |
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 32nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.21% | 11.37% | -0.16% | 63rd above |
| TCE / Tangible Assets | 9.29% | 11.09% | -1.80% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.84% | 80.64% | -4.80% | 60th above |
| Core Deposit Ratio | 95.33% | 86.86% | +8.47% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.15% | 6.86% | -8.01% | 13th bottom |
| Loan Growth (Y/Y) | -5.66% | 7.91% | -13.57% | 6th bottom |
| Deposit Growth (Y/Y) | 0.59% | 6.29% | -5.70% | 27th below |
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.