The Shelby State Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The Shelby State Bank reported all 23 line items on this page on its Q2 2026 filing. CET1 capital ratio was 13.75% in Q2 2026, up 0.43 percentage points from 13.32% in Q2 2025. Across the 12 quarters shown it ranged from 13.15% (Q2 2024) to 13.79% (Q1 2024).
What the vital signs page covers and where each line comes from.
Deposits to assets dropped 2.96 percentage points in Q2 2026, from 88.48% to 85.52%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, The Shelby State Bank is 48th of 72 on return on assets, 0.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. The Shelby State Bank sits 0.28 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 8.07% |
| Tangible equity to tangible assets | 7.84% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.87% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 14416.67% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 12.24% |
| Net interest margin | 3.75% |
| Efficiency ratio | 70.73% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.21% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.39% |
| Core deposits to total deposits | 96.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.52% |
| Securities to assets | 33.86% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 13.19% | 13.19% | 14.20% | 8.14% | 0.46% |
| Q4 2023 | 13.62% | 13.62% | 14.64% | 8.62% | 0.86% |
| Q1 2024 | 13.79% | 13.79% | 14.81% | 8.70% | 0.43% |
| Q2 2024 | 13.15% | 13.15% | 14.12% | 9.12% | 0.45% |
| Q3 2024 | 13.24% | 13.24% | 14.13% | 8.91% | 0.53% |
| Q4 2024 | 13.71% | 13.71% | 14.62% | 9.16% | 0.52% |
| Q1 2025 | 13.57% | 13.57% | 14.50% | 9.28% | 0.63% |
| Q2 2025 | 13.32% | 13.32% | 14.25% | 9.36% | 0.70% |
| Q3 2025 | 13.40% | 13.40% | 14.35% | 8.70% | 0.75% |
| Q4 2025 | 13.75% | 13.75% | 14.73% | 9.18% | 1.16% |
| Q1 2026 | 13.51% | 13.51% | 14.48% | 9.07% | 0.80% |
| Q2 2026 | 13.75% | 13.75% | 14.75% | 9.06% | 0.98% |
The Shelby State Bank vital signs, quarter by quarter
Vital Signs since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)