Total Assets
$523.6M
Total Deposits
$462.9M
Branches
14
Established
1909
The Shelby County State Bank is a bank headquartered in Harlan, Iowa, established in 1909. It holds $523.6M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Shelby County State Bank earns a TFS Financial Health Grade of B+ (83.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Shelby County State BankHQ | 508 Court St | Harlan | IA | 11 |
| The Shelby County State Bank | 155 S Elm St | Avoca | IA | 11 |
| The Shelby County State Bank | 202 2nd St | Battle Creek | IA | 11 |
| The Shelby County State Bank | 202 Main St | Danbury | IA | 11 |
| The Shelby County State Bank | 4039 Main St | Elk Horn | IA | 11 |
| The Shelby County State Bank | 2010 23rd St | Harlan | IA | 11 |
| The Shelby County State Bank | 2104 12th St | Harlan | IA | 99 |
| The Shelby County State Bank | 200 Moorehead Ave | Ida Grove | IA | 11 |
| The Shelby County State Bank | 512 Ann St | Irwin | IA | 11 |
| The Shelby County State Bank | 414 Main St | Mapleton | IA | 11 |
| The Shelby County State Bank | 100 S Main St | Odebolt | IA | 11 |
| The Shelby County State Bank | 104 Main St | Panama | IA | 11 |
| The Shelby County State Bank | 111 Main St | Portsmouth | IA | 11 |
| The Shelby County State Bank | 425 East St | Shelby | IA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.3
Tier 1 capital ratio
10.00%
Return on assets
1.43%
Non-performing loans
0.40%
Efficiency ratio
54.30%
Asset growth (YoY)
-1.15%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.