Is Shelby State Bank Safe?
Shelby State Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (41/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.15% | 86/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 39.17% | 100/100 |
| Return on Assets | 0.54% | 41/100 |
| Total Assets | $0.4B | |
How does Shelby State Bank compare?
With a Bank Health Score of 89/100, Shelby State Bank sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Shelby State Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.15% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Shelby State Bank's Bank Health Score held roughly steady at 89/100. Tier 1 capital was essentially flat at 13.15%. Quarter-over-quarter, the score fell by 2.0 points.
Shelby State Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (41/100).