Shelby County State Bank: how it compares with its peers
Against 141 IL banks with half to twice its assets, Shelby County State Bank's strongest measure in Q2 2026 is return on assets (1.70% vs. a 1.13% peer median). Its weakest relative measure is net interest margin (3.81% vs. 3.70%).
| Measure | Shelby County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.13% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.70% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.29% | 64.08% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.8M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.59% | 74.62% | Context |
What it means for lending operations
Its efficiency ratio of 53.29% is better than the 64.08% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Teutopolis State Bank Teutopolis, IL · $359M
- State Street Bank and Trust Company Quincy, IL · $357M
- OSB Community Bank Ottawa, IL · $356M
- The Fisher National Bank Fisher, IL · $376M
- Peoples Bank of Kankakee County Bourbonnais, IL · $376M
- The Bank of Herrin Herrin, IL · $349M
Questions about Shelby County State Bank
How big is Shelby County State Bank?
Shelby County State Bank, established in 1895, is headquartered in Shelbyville, IL. It reported $363M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Shelby County State Bank's return on assets?
1.70% annualized in Q2 2026, against a 1.13% median for 141 IL banks with half to twice its assets, ahead of 81% of them.
What is Shelby County State Bank's efficiency ratio?
53.29% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 64.08%, and lower is better.
Is Shelby County State Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.