Southstar Bank, S.S.B.
Moulton, TX · Cert 12299 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 27 of 258).
- Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets operating in a single state (rank 175 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.51%
Rank 68 of 258
Net Interest Margin
4.33%
Rank 27 of 258
Efficiency Ratio
58.51%
Rank 114 of 257
Equity / Assets
12.47%
Rank 46 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.93% | 1.23% | 1.54% | Beats 74% | 68 / 258 | | |
| Return on Equity | 12.09% | 9.26% | 11.84% | 14.74% | Beats 52% | 125 / 258 | | |
| Net Interest Margin | 4.33% | 3.16% | 3.49% | 3.88% | Beats 90% | 27 / 258 | | |
| Efficiency Ratio | 58.51% | 51.71% | 60.30% | 69.65% | Beats 56% | 114 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.19% | 0.46% | 0.90% | Beats 33% | 175 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 35% | 168 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.28% | 11.41% | 12.98% | 15.12% | Beats 53% | 122 / 258 | | |
| Total Risk-Based Capital Ratio | 13.28% | 12.10% | 13.91% | 16.08% | Beats 41% | 151 / 258 | | |
| Equity / Assets | 12.47% | 9.09% | 10.24% | 11.72% | Beats 82% | 46 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.61% | 73.24% | 86.34% | 95.95% | 68th pctl | 82 / 258 | | |
| Loans / Assets | 76.10% | 63.01% | 72.27% | 78.40% | 64th pctl | 94 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |