SHELBY FINANCIAL CORP is the bank holding company. THE SHELBY STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SHELBY FINANCIAL CORP

Legal name: SHELBY FINANCIAL CORPORATION

1 active bank · $392M combined assets

RSSD ID: 1493001 (FFIEC NIC)

Combined Assets

$392M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE SHELBY STATE BANKSHELBY, MISatisfactory$392MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$392M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$346M

Net Income

$780K

ROA (avg)

0.8%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

100

Origination Rate

67%

Denial Rate

12%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
THE SHELBY STATE BANK	SHELBY, MI	FDIC	$392M	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.