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: 71.31 percentage points higher than in Q1 2026, at 326.99%. Shelby County State Bank ranks 99th of 225 Iowa banks on return on assets, in the upper half at 1.49% (Q2 2026). Shelby County State Bank reported 1.49% on return on assets for Q2 2026, 0.23 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.81% |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 11.21% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.73% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 326.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 13.53% |
| Net interest margin | 4.07% |
| Efficiency ratio | 52.98% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.84% |
| Core deposits to total deposits | 95.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.42% |
| Securities to assets | 20.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.44% | 13.44% | 14.38% | 9.61% | 0.88% |
| Q4 2023 | 13.23% | 13.23% | 14.22% | 9.58% | 0.80% |
| Q1 2024 | 12.78% | 12.78% | 13.80% | 9.33% | 0.75% |
| Q2 2024 | 12.78% | 12.78% | 13.82% | 9.18% | 0.83% |
| Q3 2024 | 12.87% | 12.87% | 13.93% | 9.17% | 1.02% |
| Q4 2024 | 12.65% | 12.65% | 13.71% | 9.26% | 1.13% |
| Q1 2025 | 12.72% | 12.72% | 13.81% | 9.48% | 1.21% |
| Q2 2025 | 12.57% | 12.57% | 13.66% | 9.57% | 1.23% |
| Q3 2025 | 12.73% | 12.73% | 13.80% | 9.73% | 1.25% |
| Q4 2025 | 12.69% | 12.69% | 13.79% | 9.67% | 1.20% |
| Q1 2026 | 13.24% | 13.24% | 14.39% | 9.83% | 1.37% |
| Q2 2026 | 13.64% | 13.64% | 14.81% | 10.00% | 1.49% |
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 1553) · FFIEC NIC profile (RSSD 536349)