Shelby County State Bank
Shelbyville, Illinois, Shelby County
$363M in total assets, the 2,225th largest of 4,309 US banks and 133rd of 328 headquartered in Illinois.
- FDIC certificate
- 11702
- Established
- 1895
- Owned by
- Shelby County Bcorp Inc
- Primary regulator
- FED
- Website
- www.scs-bank.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $363M | 64% | $286M | |
| Loans | $257M | 68% | $174M | |
| Deposits | $325M | 66% | $237M | |
| Return on assets | 1.54% | 78% | 1.12% | |
| Net interest margin | 3.81% | 56% | 3.70% | |
| Efficiency ratio | 53.3% | 21% | 64.2% | |
| Equity to assets | 8.39% | 17% | 10.44% | |
| Loans to deposits | 79% | 58% | 76% |
Growth
Total assets grew 5.1% a year over the last 5 years and 5.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 1995 | Strasburg State Bank Strasburg, IL, an affiliate under the same holding company | $17M |
| Jul 1993 | Bank of Findlay Findlay, IL | $8M |
| Jan 1987 | Windsor State Bank Windsor, IL | $13M |
Where they operate
6 branches in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Shelby County, IL | $325M | 48.3% | 1 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 6 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 35% | 13% | |
| 1-4 family residential | 24% | 30% | |
| Agricultural | 14% | 7% | |
| Commercial real estate | 10% | 23% | |
| Business (C&I) | 8% | 12% | |
| Construction and land | 7% | 4% | |
| Consumer | 2% | 4% | |
| Multifamily | 0% | 6% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 47% | |
| Time deposits | 32% | 34% | |
| Noninterest-bearing | 16% | 19% |
Brokered deposits are 0.0% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.52% |
| Net charge-offs, annualized | 0.03% | 0.01% |
| Reserves to loans | 0.68% | 1.14% |
| Leverage ratio | 10.44% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Shelby County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/shelby-county-state-bank-shelbyville-il