The Shelby County State Bank
Harlan, IA
IDRSSD: 536349
Total Assets
$529.83M
Latest filing
Total Deposits
$468.88M
Latest filing
Net Interest Margin
3.88%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Shelby County State Bank
508 Court St
Harlan, IA 51537
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/02/1909FDIC Certificate 1022
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Shelby County State Bank (Main) | 508 Court St | Harlan, IA |
| ELK HORN BRANCH | 4039 Main St | Elk Horn, IA |
| HARLAN BRANCH | 2010 23rd St | Harlan, IA |
| BATTLE CREEK BRANCH | 202 2nd St | Battle Creek, IA |
| PANAMA BRANCH | 104 Main St | Panama, IA |
| DANBURY BRANCH | 202 Main St | Danbury, IA |
| SHELBY BRANCH | 425 East St | Shelby, IA |
| ELM CREST RETIREMENT CENTER | 2104 12th St | Harlan, IA |
Showing 7 of 13
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/02/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51537 |
| State and County Number | 19165 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.scsbnet.com |
| Data Updated | 01/30/2026 |
| CERT | 1553 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $529.83M |
| Total Deposits | $468.88M |
| Total Liabilities | $471.39M |
| Total Equity Capital | $58.44M |
| Net Income | $1.62M |
| Net Loans and Leases | $368.06M |
| Assets Per Employee ($Millions) | $6.38M |
| Bank Premises and Fixed Assets | $4.41M |
| Cash and Balances due from Depository Institutions | $16.70M |
| Deposits Held in Domestic Offices | $468.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 11.18% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 56.47% |
| Tier 1 Risk-Based Capital Ratio | 12.691% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.029% |
| Earning Assets to total Assets | 91.96% |
Income and Expense
| Total Interest Income | $6.51M |
| Total Noninterest Income | $663.00k |
| Total Interest Expense | $1.76M |
| Total Noninterest Expense | $3.12M |
| Net Interest Income | $4.75M |
| Pre-tax Net Operating Income | $2.04M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.51M |
| Total Liabilities and Capital | $529.83M |
Securities
| Securities | $108.75M |
| Available-for-sale debt securities | $107.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.25M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Shelby County State Bank?
$529.83M as of the latest filing.
How much are The Shelby County State Bank's total deposits?
$468.88M in total deposits.
Where is The Shelby County State Bank located?
Harlan, IA.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
14.
When was it established?
08/02/1909.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$368.06M (latest filing).
What is the total interest income (latest filing)?
$6.51M.