B
Shelby County State Bank
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Shelby County State Bank
Shelbyville, IL
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Rating B
Asset Quality Index 7.10
Capitalization Index 8.20
Liquidity Index 2.60
Profitability Index 5.20
Stability Index 4.50
Company Info Shelby County State Bank
Shelbyville, IL
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FDIC Number 11702
Phone Number (217) 774-3911
Website www.scs-bank.com
Asset Quality Shelby County State Bank
Shelbyville, IL
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1-Year Asset Growth 2.60%
5-Year Asset Growth 8.17%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.42%
Non-Performing Loans to Capital 2.70%
Non-Performing Loans to Loans 0.42%
Balance Sheet Shelby County State Bank
Shelbyville, IL
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Total Assets 350.15M
Total Deposits 322.29M
Capital and Reserves Shelby County State Bank
Shelbyville, IL
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Capital 24.07M
Leverage Ratio 9.77
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio --
Liquidity Shelby County State Bank
Shelbyville, IL
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Hot Money Ratio 19.45%
Liquidity Ratio 16.91%
Profitability Shelby County State Bank
Shelbyville, IL
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5-Year Return on Average Assets 1.15%
Net Income 1.21M
Net Interest Spread 3.47%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 61.91%
Return on Assets 1.34%
Return on Equity 20.74%