Call reports 2026
SHELBY STATE BANK, THE — 2026
What SHELBY STATE BANK, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 391,544,000 | 396,973,000 |
| Total loans | 218,102,000 | 218,604,000 |
| Allowance for loan losses | 2,527,000 | 2,595,000 |
| Securities available for sale | 133,567,000 | 134,416,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 346,438,000 | 339,485,000 |
| Interest-bearing deposits | 237,518,000 | 228,629,000 |
| Noninterest-bearing deposits | 108,920,000 | 110,856,000 |
| Equity capital | 31,535,000 | 32,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,360,000 | 8,997,000 |
| Interest expense | 978,000 | 2,084,000 |
| Net interest income | 3,382,000 | 6,913,000 |
| Noninterest income | 797,000 | 1,686,000 |
| Noninterest expense | 3,147,000 | 6,288,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 957,000 | 2,161,000 |
| Income tax | 177,000 | 408,000 |
| Net income | 780,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 35,230,000 | 35,872,000 |
| Total capital | 37,757,000 | 38,467,000 |
| Risk-weighted assets | 260,770,000 | 260,868,000 |