BlastPoint's Banking Scorecard
The Shelby County State Bank
Community
Specialty: Agricultural
IA
FDIC cert 1553
Harlan, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
The Shelby County State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$529.8M
-3.3% YoY
-1.2% QoQ
|
-$861.6M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$368.1M
+2.3% YoY
+0.8% QoQ
|
-$607.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$468.9M
-2.3% YoY
-1.5% QoQ
|
-$695.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.23%
+31.4% YoY
-0.3% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.71%
+20.5% YoY
+1.6% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
55.98%
-4.4% YoY
+0.3% QoQ
|
-6.65% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.46%
+88.2% YoY
+12.4% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
78.50%
+4.8% YoY
+2.4% QoQ
|
-4.56% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
26.79%
+2.4% YoY
+12.3% QoQ
|
+5.75% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.32%
+99.0% YoY
+14.7% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.69%
+0.3% YoY
-0.3% QoQ
|
+2.45% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.43%
+26.1% YoY
+42.8% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#88 of 642 · Bottom 14% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.79% · Tier avg: 21.05%
70
70th pctile
Efficiency Ratio
Current: 55.98% · Tier avg: 62.63%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.50% · Tier avg: 83.06%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.69% · Tier avg: 10.24%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
11
11th pctile
Total Loans
Current: $368.1M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $468.9M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $529.8M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $529.8M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $468.9M · Tier avg: $1.2B
11
11th pctile
Total Loans
Current: $368.1M · Tier avg: $975.5M
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
50
50th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.69% · Tier avg: 10.24%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.50% · Tier avg: 83.06%
70
70th pctile
Efficiency Ratio
Current: 55.98% · Tier avg: 62.63%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.79% · Tier avg: 21.05%