B
Shelby County State Bank
HarlanIA
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Shelby County State Bank
Harlan, IA
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Rating B
Asset Quality Index 6.40
Capitalization Index 8.00
Liquidity Index 2.50
Profitability Index 5.70
Stability Index 7.40
Company Info Shelby County State Bank
Harlan, IA
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FDIC Number 1553
Phone Number (712) 755-5112
Website www.scsbnet.com
Asset Quality Shelby County State Bank
Harlan, IA
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1-Year Asset Growth -3.26%
5-Year Asset Growth 15.65%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 3.01%
Non-Performing Loans to Loans 0.41%
Balance Sheet Shelby County State Bank
Harlan, IA
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Total Assets 529.83M
Total Deposits 468.88M
Capital and Reserves Shelby County State Bank
Harlan, IA
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Capital 58.44M
Leverage Ratio 9.67
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 13.79
Liquidity Shelby County State Bank
Harlan, IA
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Hot Money Ratio 16.11%
Liquidity Ratio 22.90%
Profitability Shelby County State Bank
Harlan, IA
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5-Year Return on Average Assets 1.01%
Net Income 6.61M
Net Interest Spread 3.68%
Operating Profit to Average Assets 1.54%
Overhead Efficiency Ratio 57.31%
Return on Assets 1.22%
Return on Equity 11.65%