Advertisement
The Shelby County State Bank
Harlan, IA · FDIC Certificate #1553 · Chartered 08/0
Total assets
$523.57M
Total deposits
$462.95M
Total equity
$58.72M
Net loans
$346.63M
Branches (offices)
10
Net income (YTD)
$3.81M
Rank: #1,732 of 4,213 U.S. banks by assets · #59 of 225 in Iowa. Assets changed -1.2% and deposits 0.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 13.03% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 11.21% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 74.9% |
| Real estate loans (share of loans) | 54.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $189.63M | 54.7% | |
| Commercial & industrial | $26.26M | 7.6% | |
| Consumer / individual | $12.04M | 3.5% | |
| Construction & development | $3.75M | 1.1% | |
| Agricultural | $116.84M | 33.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $548.22M | $494.24M | $2.70M | $53.13M |
| Jun 2023 | $524.88M | $471.29M | $1.79M | $52.02M |
| Jun 2024 | $551.61M | $495.75M | $2.20M | $53.51M |
| Jun 2025 | $529.67M | $460.21M | $3.32M | $56.73M |
| Jun 2026 | $523.57M | $462.95M | $3.81M | $58.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $462.95M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $462.95M.
Similar-sized banks
Germantown Trust & Savings Bank ($523.62M) · Equitable Bank ($523.53M)
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.
Advertisement