Branch Network
The Shelby State Bank Locations & Branches Shelby, Michigan
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The Shelby State Bank operates 9 branches from its headquarters in Shelby, MI, .
The Shelby State Bank branch network
All 9 branches are in MICHIGAN, across 9 cities. Its largest office by deposits is the The Shelby State Bank office in Shelby, MI, with $82.3M (24.3% of its branch deposits). On June 30, 2025 it had 10 branches, 1 more than in 2026.
The Shelby State Bank at a glance
Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $397.0M
- CET1 ratio, Q2 2026
- 13.75%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1910
Full financial profile · Is The Shelby State Bank safe? · The Shelby State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Shelby, MI (1 branch) | 1 of 1 | 100.0% | $82.3M |
| State: MI (9 branches) | 57 of 95 | 0.1% | $339.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
The Shelby State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Oceana, MI (4 branches) | 1 of 5 | 40.3% | $177.2M | $439.8M |
| Muskegon, MI (4 branches) | 5 of 7 | 6.3% | $128.1M | $2.05B |
| Mason, MI (1 branch) | 5 of 5 | 5.0% | $34.1M | $688.3M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Muskegon, MI (4 branches) | 5 of 7 | 6.3% | $128.1M | $2.05B |
| Ludington, MI (1 branch) | 5 of 5 | 5.0% | $34.1M | $688.3M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Shelby State Bank | Shelby, MI | 49455 | $82.3M |
| Whitelake Branch | Whitehall Township, MI | 49461 | $42.8M |
| Montague Branch | Montague, MI | 49437 | $37.6M |
| Pentwater Branch | Pentwater, MI | 49449 | $37.0M |
| Hart Branch | Hart, MI | 49420 | $36.2M |
| Ludington Branch | Ludington, MI | 49431 | $34.1M |
| Dalton Township Branch | Dalton Township, MI | 49445 | $26.4M |
| Hesperia Branch | Hesperia, MI | 49421 | $21.7M |
| Airline Road Branch | Fruitport Township, MI | 49415 | $21.4M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10157) · FFIEC NIC profile (RSSD 961343)