Shelby County State Bank (FDIC #1553): Bank Stress & Real-Estate Credit Exposure
Shelby County State Bank (FDIC Cert #1553): bank stress 58/100, moderate, STABLE over 7 days; parent DANES HOLDINGS INC.
Shelby County State Bank (#1553) lends in 6 counties across 1 state; Shelby County State Bank (#1553) reaches 95 ZIP codes: Iowa 6 counties, 95 ZIPs.
Shelby County State Bank (#1553) largest markets: Woodbury County, IA (26 branches, 26 ZIPs) (#1553), Pottawattamie County, IA (24 branches, 24 ZIPs) (#1553), Shelby County, IA (95 branches, 19 ZIPs) (#1553), Sac County, IA (16 branches, 16 ZIPs) (#1553), Monona County, IA (15 branches, 15 ZIPs) (#1553), Ida County, IA (12 branches, 12 ZIPs) (#1553).
Shelby County State Bank (#1553) reports $523.6 million in total assets; Shelby County State Bank (#1553) equity $58.7 million (11.2% of Shelby County State Bank (#1553) assets); Shelby County State Bank (#1553) domestic deposits $462.9 million; Shelby County State Bank (#1553) net income $3.8 million; Shelby County State Bank (#1553) return on assets 1.43%; Shelby County State Bank (#1553) return on equity 13.03%; Shelby County State Bank (#1553) net interest income $9.7 million; Shelby County State Bank (#1553) call report June 30, 2026.
Shelby County State Bank (#1553) noncurrent real-estate loans 0.03% of its book; Shelby County State Bank (#1553) net charge-offs on real estate 0.20%.
Shelby County State Bank (#1553) net interest margin 3.99% against an eight-quarter Shelby County State Bank (#1553) average of 3.56% (Shelby County State Bank (#1553) compression -0.43 points); Shelby County State Bank (#1553) real-estate loans 3.2% of equity; Shelby County State Bank (#1553) rate-exposure score 40/100, Shelby County State Bank (#1553) fixed-rate trap 40/100; Shelby County State Bank (#1553) risk type credit driven; Shelby County State Bank (#1553) rate regime rates elevated, Shelby County State Bank (#1553) snapshot October 19, 2026.
Shelby County State Bank (#1553) stress score moved from 58.9 on June 22, 2026 to 57.6 on October 20, 2026; Shelby County State Bank (#1553) ranged 57.6 to 58.9 over 117 snapshots.
Shelby County State Bank (#1553) alerts: 6 counties; top Shelby County State Bank (#1553) alert scores: Shelby County, IA 39 (moderate); Avoca County, IA 21 (low); Danbury County, IA 21 (low); Ida Grove County, IA 21 (low); Mapleton County, IA 21 (low).