SHELBY STATE BANK
SHELBY, MICHIGAN · FDIC Cert #10157
Capital & Safety Analysis
According to FDIC financial data, SHELBY STATE BANK holds a Tier 1 capital ratio of 13.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SHELBY STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SHELBY STATE BANK shows strong financial health indicators. With $362M in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SHELBY STATE BANK has a Bank Health Score of A (89/100). It holds a Tier 1 capital ratio of 13.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SHELBY STATE BANK holds $362M in total assets and $311M in total deposits. It is located in SHELBY, MICHIGAN (FDIC Certificate #10157).
SHELBY STATE BANK has a Tier 1 capital ratio of 13.15%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 0.54%.
Yes. SHELBY STATE BANK is FDIC-insured (Certificate #10157). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.