The Shelby County State Bank is a state-chartered bank headquartered in Harlan, Iowa, in business for about 117 years. At the end of Q2 2026 it reported $523.6M in total assets and $462.9M in deposits, with 11 offices.
Based on its Q2 2026 filing, The Shelby County State Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 97th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (50/100; 10.00%).
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 11 points (63 → 74), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 63 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.18% |
| Q3 2024 | 9.17% |
| Q4 2024 | 9.26% |
| Q1 2025 | 9.48% |
| Q2 2025 | 9.57% |
| Q3 2025 | 9.73% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.83% |
| Q2 2026 | 10.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.26% |
| Q2 2025 | 1.17% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.94% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $523.6M | 10.00% | 0.40% | 1.43% | 74.9% |
| Q1 2026 | 71 | $540.0M | 9.83% | 0.62% | 1.37% | 73.8% |
| Q4 2025 | 71 | $529.8M | 9.67% | 0.45% | 1.23% | 78.5% |
| Q3 2025 | 71 | $536.3M | 9.73% | 0.40% | 1.23% | 76.6% |
| Q2 2025 | 63 | $529.7M | 9.57% | 1.17% | 1.23% | 79.9% |
| Q1 2025 | 72 | $541.2M | 9.48% | 0.26% | 1.21% | 74.7% |
| Q4 2024 | 70 | $547.7M | 9.26% | 0.24% | 0.94% | 74.9% |
| Q3 2024 | 69 | $564.7M | 9.17% | 0.27% | 0.87% | 69.4% |
| Q2 2024 | 69 | $551.6M | 9.18% | 0.20% | 0.79% | 71.6% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Iowa Trust & Savings BankBank Emmetsburg, IA | 63 out of 100, Moderate | $522.0M | 10.8% | 0.79% | vs |
| Peoples BankBank Clive, IA | 65 out of 100, Moderate | $529.6M | 8.1% | 0.15% | vs |
| American Bank, National AssociationBank Le Mars, IA | 78 out of 100, Strong | $533.0M | 10.7% | 0.00% | vs |
| First Security Bank and Trust CompanyBank Charles City, IA | 68 out of 100, Moderate | $538.2M | 10.0% | 0.27% | vs |
| Connection BankBank Fort Madison, IA | 71 out of 100, Strong | $540.9M | 10.0% | 0.26% | vs |
| Ohnward Bank & TrustBank Cascade, IA | 74 out of 100, Strong | $499.1M | 12.6% | 0.60% | vs |
Deposit insurance
Is my money safe at The Shelby County State Bank?
Yes. The Shelby County State Bank is an FDIC-insured institution (FDIC certificate #1553). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($78.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.81% (benchmark: 10%).
11 locations
Branches
The Shelby County State Bank lists 10 offices in 9 cities. Most locations:
- Harlan, IA (2)
- Avoca, IA (1)
- Danbury, IA (1)
- Elk Horn, IA (1)
- Ida Grove, IA (1)
- Mapleton, IA (1)
- Odebolt, IA (1)
- Panama, IA (1)
- Shelby, IA (1)
Identity & history
Profile
- Legal name
- The Shelby County State Bank
- Former names
- Farmers Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1553
- RSSD ID
- 536349
- Primary regulator
- FDIC
- Holding company
- Danes Holdings Inc
- Established
- August 2, 1909
- Headquarters
- 508 Court St, Harlan, IA 51537
- Website
- www.scsbnet.com
- Employees
- 84
Quick answers
The Shelby County State Bank: common questions
Is The Shelby County State Bank FDIC insured?
Yes. The Shelby County State Bank is an FDIC-insured institution (FDIC certificate #1553). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Shelby County State Bank's TellerScore?
74 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 The Shelby County State Bank ever failed?
There is no failure record for FDIC certificate #1553 in the FDIC failed bank list.
How many branches does The Shelby County State Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Harlan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Templeton Savings BankBank Templeton, IA | 93 out of 100, Very strong | $169.6M | 14.5% | 0.00% | vs |
| The First National Bank of ManningBank Manning, IA | 91 out of 100, Very strong | $87.7M | 15.0% | 0.00% | vs |
| First Whitney Bank and TrustBank Atlantic, IA | 84 out of 100, Strong | $287.5M | 11.5% | 0.00% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Audubon State BankBank Audubon, IA | 78 out of 100, Strong | $155.3M | 10.5% | 0.20% | vs |