The Shelby State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $392M | $346M | $216M | $32M | $780K | 0.80% | 9.88% | 3.72% | 0.01% |
| Q4 2025 | $386M | $337M | $214M | $32M | $1M | 0.82% | 10.59% | 3.61% | 0.13% |
| Q3 2025 | $386M | $345M | $213M | $30M | $734K | 0.70% | 9.25% | 3.57% | 0.09% |
| Q2 2025 | $364M | $327M | $211M | $28M | $629K | 0.67% | 8.86% | 3.49% | 0.15% |
| Q1 2025 | $354M | $316M | $203M | $27M | $566K | 0.64% | 8.60% | 3.45% | 0.20% |
| Q4 2024 | $355M | $304M | $199M | $25M | $464K | 0.49% | 7.27% | 3.18% | 0.10% |
| Q3 2024 | $362M | $315M | $202M | $27M | $488K | 0.48% | 7.21% | 3.13% | 0.10% |
| Q2 2024 | $362M | $311M | $200M | $23M | $401K | 0.44% | 7.01% | 3.04% | 0.00% |
| Q1 2024 | $356M | $312M | $190M | $23M | $400K | 0.44% | 7.08% | 3.04% | 0.00% |
| Q4 2023 | $365M | $319M | $191M | $23M | $797K | 0.57% | 10.78% | 3.04% | 0.00% |
| Q3 2023 | $362M | $329M | $196M | $18M | $444K | 0.47% | 9.29% | 3.04% | 0.00% |
| Q2 2023 | $369M | $329M | $200M | $19M | $382K | 0.47% | 9.07% | 2.98% | 0.00% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.