Shelby County State Bank

BankShelbyville, Illinois
www.scs-bank.com

Total Assets

$362.1M

Total Deposits

$316.5M

Branches

6

Established

1895

TFS Health Grade

$
D+

69.0 / 100

Below average financial health

How we grade

Shelby County State Bank is a bank headquartered in Shelbyville, Illinois, established in 1895. With $362.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D+ (69.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.04%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.33%

Profitability

Return on Assets (ROA)
1.37%(1%)
Return on Equity (ROE)
19.40%(10%)
Net Interest Margin
3.60%
Efficiency Ratio
61.14%(60%)

Lending & Liquidity

Total Loans
$251.7M
Loan-to-Deposit Ratio
78.98%
Net Charge-Off Ratio
0.13%

Growth

Asset Growth (YoY)
+3.91%
Deposit Growth (YoY)
0.00%
Net Income
$4.9M

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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