FDIC Cert #10157 · Shelby, Michigan · Est. 1910

The Shelby State Bank - FDIC Bank Health Profile

A community-scale look at The Shelby State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$386M
Total assets
B
Health grade · Good
0.82%
Return on assets
13.7%
Tier 1 capital

Data updated July 2026

The verdict

The Shelby State Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.75% Tier 1, 0.82% ROA, 74% efficiency ratio.

#2,131
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
13.75%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10157 · MI B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2788/4307
  • PHOTO-FINISH First Southern Bank · GA
  • TIER1-WELL 13.7% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: First Southern Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Shelby State Bank

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bristol Morgan Bank · WI · n…73/100Clay County State Bank · IL …73/100First Southern Bank · GA · n…73/100The Farmers and Merc… · OH ·…73/100The Shelby State Bank · MI ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Shelby State Bank · July 2026

Call Report read for The Shelby State Bank in a high-failure state

The Shelby State Bank (FDIC Cert #10157) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,788 of 4,307. Tier 1 capital prints at 13.75%, clearing the 10% well-capitalized line. The Texas Ratio is 0.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $386M, 2,131st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Southern Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Shelby State Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

The Shelby State Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about The Shelby State Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How The Shelby State Bank's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
The Shelby State Bank's composite health score
Tier 1 Capital Ratio (13.75%) 35/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (0.82%) 20/20
Efficiency Ratio (74.24%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$386M

Total balance-sheet footings

Total Deposits

$337M

Customer-funded liabilities

Net Loans

$214M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.35% 13.75% 15.15%
Basel III capital ratios - The Shelby State Bank

Where The Shelby State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Shelby State Bank's score of 73/100 falls in the highlighted band.

The Shelby State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 35th percentile higher than 35% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Shelby State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Shelby State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Shelby State Bank's $386M falls in the highlighted band.

Capital & credit buffers at The Shelby State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.75%
Texas Ratio
0.82%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: The Shelby State Bank

Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
10.59%
Efficiency Ratio
74.24%

What these mean →

Income & expense at The Shelby State Bank

$16M
Interest Income
$4M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Shelby State Bank reports a Texas Ratio of 0.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Shelby State Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($386M here), outside Michigan so the neighborhood is not state containment.

Lakeside Bank $386M · LA Pacific West Bank $386M · OR Wolf River Community Bank $386M · WI First National Bank & Trust Company $386M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Shelby State Bank (FDIC Cert #10157) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Shelby State Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%