B
Shelby County State Bank
Rating Date
October 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 7.30
Capitalization Index 8.60
Liquidity Index 2.60
Profitability Index 5.90
Stability Index 5.00
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 1.92%
5-Year Asset Growth 8.17%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 2.25%
Non-Performing Loans to Loans 0.35%
Balance Sheet Shelby County State Bank
Shelbyville, IL
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Total Assets 359.97M
Total Deposits 320.73M
Capital and Reserves Shelby County State Bank
Shelbyville, IL
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Capital 27.25M
Leverage Ratio 10.09
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio --
Liquidity Shelby County State Bank
Shelbyville, IL
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Hot Money Ratio 20.44%
Liquidity Ratio 16.78%
Profitability Shelby County State Bank
Shelbyville, IL
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5-Year Return on Average Assets 1.15%
Net Income 3.76M
Net Interest Spread 3.57%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 60.27%
Return on Assets 1.38%
Return on Equity 20.82%