Headquartered in Shelbyville, Illinois, Shelby County State Bank is a state-chartered bank (fed member) with $363.2M in total assets and $324.7M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1895.
Shelby County State Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 101st. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (54/100, 10.44%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (69 → 76), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 71 |
| Q2 2025 | 69 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.49% |
| Q3 2024 | 9.45% |
| Q4 2024 | 9.46% |
| Q1 2025 | 9.77% |
| Q2 2025 | 9.82% |
| Q3 2025 | 10.09% |
| Q4 2025 | 10.04% |
| Q1 2026 | 10.32% |
| Q2 2026 | 10.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $363.2M | 10.44% | 0.31% | 1.70% | 78.6% |
| Q1 2026 | 75 | $361.1M | 10.32% | 0.33% | 1.58% | 77.8% |
| Q4 2025 | 72 | $362.1M | 10.04% | 0.33% | 1.37% | 79.0% |
| Q3 2025 | 72 | $360.0M | 10.09% | 0.35% | 1.41% | 75.7% |
| Q2 2025 | 69 | $358.0M | 9.82% | 0.53% | 1.36% | 71.8% |
| Q1 2025 | 71 | $350.1M | 9.77% | 0.42% | 1.38% | 74.2% |
| Q4 2024 | 67 | $348.5M | 9.46% | 0.36% | 0.98% | 76.8% |
| Q3 2024 | 66 | $353.2M | 9.45% | 0.36% | 0.96% | 77.3% |
| Q2 2024 | 66 | $343.0M | 9.49% | 0.40% | 0.94% | 77.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| State Street Bank and Trust CompanyBank Quincy, IL | 77 out of 100, Strong | $357.1M | 10.0% | 0.39% | vs |
| OSB Community BankBank Ottawa, IL | 69 out of 100, Moderate | $355.6M | 11.6% | 0.36% | vs |
| The Fisher National BankBank Fisher, IL | 59 out of 100, Moderate | $375.5M | 9.0% | 1.31% | vs |
| Peoples Bank of Kankakee CountyBank Bourbonnais, IL | 66 out of 100, Moderate | $375.6M | 7.7% | 0.32% | vs |
| The Bank of HerrinBank Herrin, IL | 65 out of 100, Moderate | $349.2M | 8.8% | 0.83% | vs |
Deposit insurance
Is my money safe at Shelby County State Bank?
Yes. Shelby County State Bank is an FDIC-insured institution (FDIC certificate #11702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($81.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Shelby County State Bank lists 6 offices in 5 cities. Most locations:
- Shelbyville, IL (2)
- Findlay, IL (1)
- Moweaqua, IL (1)
- Strasburg, IL (1)
- Windsor, IL (1)
Identity & history
Profile
- Legal name
- Shelby County State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11702
- RSSD ID
- 235446
- Primary regulator
- FED
- Holding company
- Shelby County Bcorp Inc
- Established
- May 11, 1895
- Headquarters
- 130 S Morgan St, Shelbyville, IL 62565
- Website
- www.scs-bank.com
- Employees
- 45
Quick answers
Shelby County State Bank: common questions
Is Shelby County State Bank FDIC insured?
Yes. Shelby County State Bank is an FDIC-insured institution (FDIC certificate #11702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Shelby County State Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Shelby County State Bank ever failed?
There is no failure record for FDIC certificate #11702 in the FDIC failed bank list.
How many branches does Shelby County State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Shelbyville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| First National Bank of PanaBank Pana, IL | 78 out of 100, Strong | $394.8M | 10.5% | 0.07% | vs |