The Shelby State Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q2 2026 filing, The Shelby State Bank reported 8 of the 9 line items on this page. It did not report derivatives notional to total assets. Unused loan commitments was $14.7M in Q2 2026, up 11.2% from $13.2M in Q2 2025. That is 3.7% of its total assets. Across the 12 quarters shown it ranged from $11.8M (Q4 2023) to $15.6M (Q1 2026).
What the off-balance-sheet exposure page covers and where each line comes from.
The largest change between Q1 2026 and Q2 2026 was in Unused loan commitments, which fell 5.9% to $14.7M.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $14.7M |
| Letters of credit | $632K |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $0 |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | — |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit |
|---|---|---|
| Q3 2023 | $12.3M | $1.0M |
| Q4 2023 | $11.8M | $915K |
| Q1 2024 | $12.9M | $915K |
| Q2 2024 | $13.6M | $915K |
| Q3 2024 | $14.3M | $915K |
| Q4 2024 | $13.7M | $825K |
| Q1 2025 | $13.8M | $825K |
| Q2 2025 | $13.2M | $825K |
| Q3 2025 | $14.0M | $775K |
| Q4 2025 | $13.8M | $735K |
| Q1 2026 | $15.6M | $685K |
| Q2 2026 | $14.7M | $632K |
The Shelby State Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, Q2 2026. How these pages are built. See the full The Shelby State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10157) · FFIEC NIC profile (RSSD 961343)