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The Shelby County State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 1553

Harlan, IA

11 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +0.6% year over year ($462.9M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.43%.
  • Efficiency ratio 54.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

The Shelby County State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.11% above tier average
  • + Efficiency Ratio 10.17% below tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 49.7% in tier
Get updates when The Shelby County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $523.6M
-1.2% YoY -3.0% QoQ
+$137.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $346.6M
-5.7% YoY -2.1% QoQ
+$88.3M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $462.9M
+0.6% YoY -3.5% QoQ
+$136.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.43%
+16.7% YoY +4.8% QoQ
+0.11% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.99%
+9.8% YoY +3.0% QoQ
+0.00% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 54.30%
-1.5% YoY -1.0% QoQ
-10.17% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.41%
-65.4% YoY -34.4% QoQ
-0.51% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 74.87%
-6.3% YoY +1.5% QoQ
-3.08% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 26.00%
+2.8% YoY +0.9% QoQ
+3.97% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.27%
-67.0% YoY -33.8% QoQ
-0.40% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 13.64%
+8.5% YoY +3.0% QoQ
-2.26% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.24%
+24.4% YoY +106.4% QoQ
-0.33% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 26.0%
+0.7pp YoY
+0.2pp QoQ
 +3.8pp 22.1% 17.8% 22.2% 69%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 7.6%
-0.3pp YoY
+0.3pp QoQ
 -4.0pp 11.6% 12.8% 12.5% 37%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 15.1%
+2.1pp YoY
+1.0pp QoQ
 -17.5pp 32.6% 23.0% 31.3% 19%
Consumer 3.5%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 4.1% 2.9% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 13.6%
+1.1pp YoY
+0.4pp QoQ
 -5.2pp 18.8% 15.4% 19.7% 35%
Leverage Ratio 10.0%
+0.4pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 12.4% 12.6% 31%
Total Capital Ratio 14.8%
+1.2pp YoY
+0.4pp QoQ
 -5.1pp 19.9% 16.5% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 84
+6 (+7.7%) YoY
+3 (+3.7%) QoQ
 +25 58 64 482 79%
Assets per Employee ($) $6.2M
-8.2% YoY
-6.5% QoQ
 -$1.3M $7.5M $8.9M $8.8M 38%
Branch Count 11
-3 (-21.4%) YoY
-3 (-21.4%) QoQ
 +6 4 5 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 22%
Nonaccrual 0.4%
+0.2pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 46%
Allowance Coverage 3.15x
+213.0% YoY
+55.5% QoQ
 -21.01x 24.15x 18.97x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.0%
+1.1pp YoY
+0.5pp QoQ
 +0.8pp 12.2% 12.8% 11.6% 56%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 21%
Net Income ($, YTD) $3.8M
+14.9% YoY
— QoQ
 +$1.3M $2.6M $4.0M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#264 of 529 • Bottom 49.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.43%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

628
Total Deposits
size
Value: $462.95M
Peer Median: $326.73M
#628 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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