| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | -1.9% | +4.0% | -5.9 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 20.7% | 11.9% | +8.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $363.2M | $324.7M | $255.2M | $30.5M | $3.1M | 1.70% | 3.81% | 0.35% |
| Q1 2026 | $361.1M | $323.9M | $252.0M | $30.2M | $1.4M | 1.58% | 3.67% | 0.36% |
| Q4 2025 | $362.1M | $316.5M | $250.0M | $28.5M | $4.9M | 1.37% | 3.60% | 0.36% |
| Q3 2025 | $360.0M | $320.7M | $242.7M | $27.2M | $3.8M | 1.41% | 3.60% | 0.37% |
| Q2 2025 | $358.0M | $331.1M | $237.8M | $23.2M | $2.4M | 1.36% | 3.56% | 0.49% |
| Q1 2025 | $350.1M | $322.3M | $239.1M | $24.1M | $1.2M | 1.38% | 3.55% | 0.42% |
| Q4 2024 | $348.5M | $316.5M | $243.2M | $22.6M | $3.4M | 0.98% | 3.49% | 0.40% |
| Q3 2024 | $353.2M | $320.4M | $247.7M | $24.9M | $2.5M | 0.96% | 3.48% | 0.40% |
Loan mix (Q2 2026): real estate $193.8M · commercial $20.2M · consumer $4.5M · securities $96.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Shelby County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 1 county across 1 state (+0 vs 2024) · $331.1M branch deposits. Biggest market: Shelby, IL, ranked 1st with 50.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, IL | 6 | $331.1M | 50.29% | 1st |
Illinois: 179th with 0.04% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6