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Shelby County State Bank
Shelbyville, IL · FDIC Certificate #11702 · Chartered 05/1
Total assets
$363.24M
Total deposits
$324.70M
Total equity
$30.48M
Net loans
$255.18M
Branches (offices)
6
Net income (YTD)
$3.08M
Rank: #2,189 of 4,213 U.S. banks by assets · #132 of 322 in Illinois. Assets changed 1.5% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.70% |
| Return on equity | 20.72% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 8.39% |
| Tier 1 leverage ratio | 10.44% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 78.6% |
| Real estate loans (share of loans) | 75.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $193.75M | 75.9% | |
| Commercial & industrial | $20.18M | 7.9% | |
| Consumer / individual | $4.55M | 1.8% | |
| Construction & development | $17.48M | 6.8% | |
| Agricultural | $34.81M | 13.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $313.75M | $296.22M | $1.71M | $17.09M |
| Jun 2023 | $331.36M | $301.38M | $2.65M | $19.63M |
| Jun 2024 | $342.97M | $313.19M | $1.60M | $21.67M |
| Jun 2025 | $357.99M | $331.11M | $2.39M | $23.19M |
| Jun 2026 | $363.24M | $324.70M | $3.08M | $30.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $324.70M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.70M.
Similar-sized banks
Bankstar Financial ($363.46M) · Desjardins Bank, National Association ($362.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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