Shelby County State Bank
Harlan, IA · Cert 1553 · Peer group: banks under $1B in assets in IA (n=134-135) · Danes Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$523.6MAssets
$351.1MLoans
$462.9MDeposits
$58.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks under $1B in assets in IA (rank 35 of 135).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets in IA (rank 97 of 134).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.46%
Rank 38 of 135
Net Interest Margin
3.72%
Rank 35 of 135
Efficiency Ratio
55.55%
Rank 64 of 135
Equity / Assets
11.21%
Rank 65 of 135
Non-interest income vs. expense
Unfavorable gap of $9.7M · efficiency ratio beats 53% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.92% | 1.19% | 1.47% | Beats 72% | 38 / 135 | |
| Return on Equity | 12.98% | 7.99% | 10.26% | 13.14% | Beats 73% | 36 / 135 | |
| Net Interest Margin | 3.72% | 2.95% | 3.41% | 3.73% | Beats 74% | 35 / 135 | |
| Efficiency Ratio | 55.55% | 50.61% | 57.35% | 63.29% | Beats 53% | 64 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.03% | 0.51% | 1.26% | Beats 54% | 63 / 134 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.03% | Beats 28% | 97 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.64% | 11.23% | 13.31% | 15.45% | Beats 55% | 61 / 135 | |
| Total Risk-Based Capital Ratio | 14.81% | 11.61% | 14.06% | 16.47% | Beats 61% | 53 / 135 | |
| Equity / Assets | 11.21% | 9.87% | 11.05% | 13.07% | Beats 52% | 65 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 75.84% | 68.54% | 81.55% | 91.24% | 38th pctl | 83 / 134 | |
| Loans / Assets | 67.06% | 57.61% | 68.06% | 76.23% | 47th pctl | 71 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |