Bank · FDIC insured
Shelby County State Bank
A $363.2M bank headquartered in Shelbyville, IL, with 6 branches in Illinois. Best rates: CDs 1.36% and savings 0.30% APY.
Shelby County State Bank Carrot Score
61
Carrot Score
Higher than 5% of U.S. banks and credit unions
#267 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Shelby County State Bank
Founded in 1895 in Shelbyville, Illinois, Shelby County State Bank was established for the purpose of offering banking products and services to all of Shelby County.
Over its history, the bank consolidated with Tower Hill State Bank, merged with Strasburg State Bank, and acquired Windsor State Bank and the Bank of Findlay.
Today, the bank operates branches in Shelbyville, Windsor, Strasburg, Findlay, and Moweaqua, Illinois.
- Headquarters
- 130 S Morgan St, Shelbyville, IL 62565
- FDIC certificate
- 11702 ↗
Branches
6 branches in Illinois
Loading map…
Illinois
6 branches
Shelbyville area · 2
- Shelby County State BankMain office130 S Morgan St, Shelbyville, IL 62565Directions
- 1501 West Main Street Branch1501 W Main St, Shelbyville, IL 62565Directions
Findlay area · 1
- Findlay Branch207 E Division St, Findlay, IL 62534Directions
Moweaqua area · 1
- Moweaqua Branch920 E Main St, Moweaqua, IL 62550Directions
Strasburg area · 1
- Strasburg Branch109 E Commercial St, Strasburg, IL 62465Directions
Windsor area · 1
- Windsor Facility1112 Maine St, Windsor, IL 61957Directions
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 | 10.44% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.31% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.70% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio10.44%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.31%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.70%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ 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 Shelby County State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.