BlastPoint's Banking Scorecard
The Shelby County State Bank
Harlan, IA
14 branches across IA
The Shelby County State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Efficiency Ratio 10.43% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 49.0% in tier
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$540.0M
-0.2% YoY
+1.9% QoQ
|
+$153.9M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$354.0M
-1.9% YoY
-3.8% QoQ
|
+$98.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$479.9M
-0.6% YoY
+2.4% QoQ
|
+$152.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.37%
+12.7% YoY
+11.2% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
3.87%
+9.5% YoY
+4.4% QoQ
|
-0.06% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
54.86%
+2.3% YoY
-2.0% QoQ
|
-10.43% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.62%
+136.6% YoY
+37.3% QoQ
|
-0.26% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
73.76%
-1.3% YoY
-6.0% QoQ
|
-2.88% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
25.77%
-3.1% YoY
-3.8% QoQ
|
+3.75% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.41%
+132.5% YoY
+29.5% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.24%
+4.1% YoY
+4.3% QoQ
|
-2.59% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.12%
+19.2% YoY
-73.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.