Southstar Bank, S.S.B.
Moulton, TX · Cert 12299 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Southern Bancshares Inc.
SI · FDIC · 16 branches
Q2 2026
$1.4BAssets
$1.0BLoans
$1.1BDeposits
$170.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 26 of 269).
- Widest gap: nonperforming loans / loans trails 68% of banks $1B-$10B in assets operating in a single state (rank 184 of 269).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.51%
Rank 72 of 269
Net Interest Margin
4.33%
Rank 26 of 269
Efficiency Ratio
58.51%
Rank 120 of 268
Equity / Assets
12.47%
Rank 52 of 269
Non-interest income vs. expense
Unfavorable gap of $32.1M · efficiency ratio beats 56% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.93% | 1.23% | 1.54% | Beats 73% | 72 / 269 | |
| Return on Equity | 12.09% | 9.13% | 11.77% | 14.52% | Beats 52% | 128 / 269 | |
| Net Interest Margin | 4.33% | 3.16% | 3.50% | 3.88% | Beats 90% | 26 / 269 | |
| Efficiency Ratio | 58.51% | 51.70% | 60.21% | 69.66% | Beats 56% | 120 / 268 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.19% | 0.45% | 0.89% | Beats 32% | 184 / 269 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 33% | 181 / 269 | |
| Capital |
| Tier 1 Capital Ratio | 13.28% | 11.29% | 13.10% | 15.21% | Beats 52% | 128 / 269 | |
| Total Risk-Based Capital Ratio | 13.28% | 12.04% | 13.91% | 16.33% | Beats 42% | 155 / 269 | |
| Equity / Assets | 12.47% | 9.18% | 10.29% | 11.76% | Beats 81% | 52 / 269 | |
| Liquidity & Funding |
| Loans / Deposits | 92.61% | 72.68% | 86.29% | 95.72% | 69th pctl | 84 / 269 | |
| Loans / Assets | 76.10% | 62.46% | 72.27% | 78.37% | 64th pctl | 97 / 269 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |