Shelby County State Bank
Shelbyville, IL
IDRSSD: 235446
Total Assets
$362.12M
Latest filing
Total Deposits
$316.51M
Latest filing
Net Interest Margin
3.58%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Shelby County State Bank
130 S Morgan St
Shelbyville, IL 62565
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/11/1895FDIC Certificate 7481
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Shelby County State Bank (Main) | 130 S Morgan St | Shelbyville, IL |
| WINDSOR FACILITY | 1112 Maine St | Windsor, IL |
| FINDLAY BRANCH | 207 E Division St | Findlay, IL |
| 1501 WEST MAIN STREET BRANCH | 1501 W Main St | Shelbyville, IL |
| MOWEAQUA BRANCH | 920 E Main St | Moweaqua, IL |
| STRASBURG BRANCH | 109 E Commercial St | Strasburg, IL |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/11/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62565 |
| State and County Number | 17173 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.scs-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 11702 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $362.12M |
| Total Deposits | $316.51M |
| Total Liabilities | $333.59M |
| Total Equity Capital | $28.53M |
| Net Income | $1.12M |
| Net Loans and Leases | $249.99M |
| Assets Per Employee ($Millions) | $7.7M |
| Bank Premises and Fixed Assets | $1.84M |
| Cash and Balances due from Depository Institutions | $3.87M |
| Deposits Held in Domestic Offices | $316.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 16.04% |
| Net Interest Margin | 3.58% |
| Efficiency Ratio | 63.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.879% |
| Earning Assets to total Assets | 96.72% |
Income and Expense
| Total Interest Income | $4.26M |
| Total Noninterest Income | $341.00k |
| Total Interest Expense | $1.14M |
| Total Noninterest Expense | $2.21M |
| Net Interest Income | $3.13M |
| Pre-tax Net Operating Income | $1.20M |
| Provision for Credit Losses | $58.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $467.00k |
| Other borrowed funds | $12.90M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.49M |
| All Other Liabilities | $1.68M |
| Total Liabilities and Capital | $362.12M |
Securities
| Securities | $100.21M |
| Available-for-sale debt securities | $100.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Shelby County State Bank?
$362.12M as of the latest filing.
How much are Shelby County State Bank's total deposits?
$316.51M in total deposits.
Where is Shelby County State Bank located?
Shelbyville, IL.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
6.
When was it established?
05/11/1895.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$249.99M (latest filing).
What is the total interest income (latest filing)?
$4.26M.