Bank · FDIC insured
SCSB
A $523.6M bank headquartered in Harlan, IA, with 10 branches in Iowa.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About SCSB
Founded in 1880, SCSB is headquartered in Harlan, Iowa, and operates ten bank locations across Harlan, Ida Grove, Avoca, Danbury, Elk Horn, Mapleton, Odebolt, Panama, and Shelby.
- Headquarters
- 508 Court St, Harlan, IA 51537
- FDIC certificate
- 1553 ↗
Branches
10 branches in Iowa
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Iowa
10 branches
Harlan area · 2
- The Shelby County State BankMain office508 Court St, Harlan, IA 51537Directions
- Harlan Branch2010 23rd St, Harlan, IA 51537Directions
Avoca area · 1
- Shelby County State Bank Branch155 S Elm St, Avoca, IA 51521Directions
Danbury area · 1
- Danbury Branch202 Main St, Danbury, IA 51019Directions
Elk Horn area · 1
- Elk Horn Branch4039 Main St, Elk Horn, IA 51531Directions
Ida Grove area · 1
- Moorehead Avenue Branch200 Moorehead Ave, Ida Grove, IA 51445Directions
Mapleton area · 1
- Mapleton Branch414 Main St, Mapleton, IA 51034Directions
Odebolt area · 1
- Odebolt Branch100 S Main St, Odebolt, IA 51458Directions
Panama area · 1
- Panama Branch104 Main St, Panama, IA 51562Directions
Shelby area · 1
- Shelby Branch425 East St, Shelby, IA 51570Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.40% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.43% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio10.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of SCSB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.