The Shelby County State Bank

BankHarlan, Iowa
www.scsbnet.com

Total Assets

$529.8M

Total Deposits

$468.9M

Branches

14

Established

1909

TFS Health Grade

$
C-

73.0 / 100

Average financial health

How we grade

The Shelby County State Bank is a bank headquartered in Harlan, Iowa, established in 1909. With $529.8M in total assets and 14 branch locations, it has a TFS Financial Health Grade of C- (73.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.67%(8%)
Total Capital Ratio
13.79%(10%)
Non-Performing Loan Ratio
0.45%

Profitability

Return on Assets (ROA)
1.23%(1%)
Return on Equity (ROE)
11.66%(10%)
Net Interest Margin
3.71%
Efficiency Ratio
55.98%(60%)

Lending & Liquidity

Total Loans
$372.5M
Loan-to-Deposit Ratio
78.50%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
-3.26%
Deposit Growth (YoY)
-2.34%
Net Income
$6.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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