The Shelby County State Bank
Total assets
$523.6M
▼ -1.2% YoY
Deposits
$462.9M
▲ +0.6% YoY
Loans
$346.6M
▼ -5.7% YoY
Offices
11
DANES HOLDINGS INC
ROA (annualized)
1.43%
peers 1.28%
ROE (annualized)
13.03%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.1 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.7 pts |
| Loan growth (YoY) | -5.8% | +5.3% | -11.1 pts |
| ROA | 1.43% | 1.28% | +0.2 pts |
| ROE | 13.0% | 12.4% | +0.6 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1909
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- DANES HOLDINGS INC
- Specialization
- Agricultural Specialization
- Address
- 508 Court St, Harlan, IA, 51537
- County
- Shelby
- Offices
- 11
- FDIC cert #
- 1553
- RSSD ID
- 536349
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $523.6M | $462.9M | $346.6M | $58.7M | $3.8M | 1.43% | 3.99% | 0.27% |
| Q1 2026 | $540.0M | $479.9M | $354.0M | $58.3M | $1.8M | 1.37% | 3.87% | 0.41% |
| Q4 2025 | $529.8M | $468.9M | $368.1M | $58.4M | $6.6M | 1.23% | 3.71% | 0.32% |
| Q3 2025 | $536.3M | $476.3M | $365.0M | $57.7M | $5.0M | 1.23% | 3.65% | 0.28% |
| Q2 2025 | $529.7M | $460.2M | $367.8M | $56.7M | $3.3M | 1.23% | 3.63% | 0.82% |
| Q1 2025 | $541.2M | $483.1M | $361.0M | $55.9M | $1.7M | 1.21% | 3.54% | 0.18% |
| Q4 2024 | $547.7M | $480.1M | $359.7M | $54.7M | $5.2M | 0.94% | 3.08% | 0.16% |
| Q3 2024 | $564.7M | $505.5M | $350.6M | $56.4M | $3.6M | 0.87% | 3.00% | 0.17% |
Loan mix (Q2 2026): real estate $189.6M · commercial $26.3M · consumer $12.0M · securities $105.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.89% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 61.2% | 29th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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