# SHELBY COUNTY STATE BANK
SHELBYVILLE, IL · FDIC certificate 11702 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $363.2M | |
| Deposits | $324.7M | |
| Loans and leases | $256.9M | |
| Total equity | $30.5M | |
| Loans / deposits | 78.59% (p43 of band) | 82.04% |
| Liquid assets / assets | 27.65% (p58 of band) | |
| Uninsured deposits / deposits | 25.05% (p46 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.85% (p40 of band) | |
| FHLB advances / assets | 1.10% | |
| Tier 1 leverage | 10.44% (p43 of band) | 10.81% |
| Unrealized securities loss / equity | -27.10% (p15 of band) | -8.10% |
| AOCI / equity | 0.28% (p88 of band) | |
| ROA (annualized) | 1.70% (p75 of band) | 1.28% |
| Net interest margin | 3.81% (p44 of band) | 3.91% |
| Efficiency ratio | 53.29% (p26 of band) | |
| Noncurrent loans | 0.31% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 217.06% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 57.33% (p62 of band) | |
| Auto loans | $2.6M (1.00% of loans; DQ 0.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 45 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | assets shrinking |  |
| 2015-03 | 0 |  | assets shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-27 [Evelyn Augenstein Obituary Dec 27, 2024 - Howe and Yockey Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE0zVEFoQ2pxdVR4YVlORWRFQlFzMWNJaG5ZdEFuQmlldkt4WXNYWmY4UUQyYjlweVRTMEk1cS1VOEVOTTJ3bm15MmJ5Ql9ocjRWNnk3U0hCZHpIaGFQQjFrNDZlZnpNSDNkSFE?oc=5) · Howe and Yockey Funeral Homes
- 2025-02-11 [Obituary information for Maurine Grace Lugar - Lockart-Green Funeral Homes](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSG5UWC1zWHF2QVpnZ1pVaU5pX01JMHY4M1JxYkU4aUliX3hDVnVydnVaSS1mQUZLS1VmSHoxVGZHQlRQc09SM3FxcVY0Y3JMeE9PRmFnZ1ZHNFJfelU5YU1GR1o1SWc0d05mV0lWR29fZXZXYmF3TkhPNXZaMEVvOEtGR3k4OWVjbkR1NQ?oc=5) · Lockart-Green Funeral Homes
- 2026-04-01 [Trust Sues Voya Over $1.4M Retirement Fund Payout - ThinkAdvisor](https://news.google.com/rss/articles/CBMikgFBVV95cUxPenhXZEREUVg2dzFBVnAxeC1rWU5sOUdiUnlvWlpWVDRKT25BM3FzRk1nRFhaS1FkSUdLYTNSTVpsZ3JsWkdEVUNLVGdoNlU2TV9kaGlmY19VMzVGcEh4LVlCSWRkeTBOcmYtTVl3aFBKdEVqZHFGd0J6MFVsbkFsOGNTbjIwcWxnQ3RiNGtwS0hXUQ?oc=5) · ThinkAdvisor
- 2022-04-15 [Lynda Baker Obituary (1959 - 2022) - Shelbyville, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPYWthR3dEYVlQa19EeldyX1VSalNPN1hJTnpmR3h4Qm54NkR4LTlhTXItZnIwMjNERFRubjczUVJUejM2NWlrOXZMVWs5S1g1NzloYnRRMld1U0xfLWhMMDJhd0RKaHp2NXp4Y3luaEhYSFowakZIUWZ4R1NaT2pQd3hMSHUxSmdjYlN0S1d4OFB5UQ?oc=5) · Legacy obituary
- 2021-10-21 [James Klepzig Obituary (1943 - 2021) - Shelbyville, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxPODEwWEUxTjA0MEotNXVFY18wdWUyX0hLUC1QRW5oejBvQkJRaFk4N1VUREcwRVJ1MDRhX2ZtX18wOFZrcVF2YnV1SUV0a3hwTVllbmxVZXl4bWhYa1ZlcF9zLVl6N0hpY2o2TDNlbnVndTFPYmhRaGNpNVJmal9qX2pnYlg3am0yMWZHa1llOUtNUmlq?oc=5) · Legacy obituary
- 2010-11-17 [Franklin E Dove Obituary Nov 17, 2010 - Howe and Yockey Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9NNGprSjZmLTBPbEFVd1BUdUZCVUttRnBjMmRKY28wVEVWUTd3UXNOWGY0dVdHSTlhU1hQT0JSd2NndDEtNnV3OU9vdmdnNGRsX2hWdngtSTRmVF9zUjEzTHlPWFlkcms?oc=5) · Howe and Yockey Funeral Homes
- 2009-10-25 [Janet I Schultz Obituary Oct 25, 2009 - Howe and Yockey Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBCeUR4VHRlYjAxVlF1OXl0U0FaSVdKaEFGeUp1VjYzMjhZdTI3cjNNa3RjTHpoQUtLYm1tUGRaQmQzRFNGdHR3R1ZUQnhzN0lhamU0cHBsdGJmSEFIYk5OVXRtUExpa2M?oc=5) · Howe and Yockey Funeral Homes
- 2024-10-25 [Robert S. Heckler Obituary (2024) - Venice, FL - Farley Funeral Homes and Crematory - Venice - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZEJVVlhxSkJZOVBOSWhKN0NZR21RcmFXWGt4LU1ySnY0UXBqMFltYnQ1djE4Qmd0NjQxNE9rQlNpQlNJcjVZX3lHVzdTZHNZZkZlSDgwQjhteEl4WmMtR19DUnY5RG9fZVZzZVBSUFFNOUtiWkFqd01zQkZZTmJsQmJDWQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11702 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "11702", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide