Shelby Savings Bank, SSB
Center, TX · Cert 32135 · Peer group: banks under $1B in assets in TX (n=208-211) · Shelby Bancshares Inc.
SI · FDIC · 6 branches
Q2 2026
$457.4MAssets
$313.0MLoans
$367.3MDeposits
$48.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 69% of banks under $1B in assets in TX (rank 65 of 211).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in TX (rank 180 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.20%
Rank 106 of 211
Net Interest Margin
4.23%
Rank 65 of 211
Efficiency Ratio
67.02%
Rank 128 of 211
Equity / Assets
10.69%
Rank 117 of 211
Non-interest income vs. expense
Unfavorable gap of $11.5M · efficiency ratio beats 40% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.87% | 1.20% | 1.65% | Beats 50% | 106 / 211 | |
| Return on Equity | 11.19% | 7.52% | 11.67% | 14.58% | Beats 46% | 113 / 211 | |
| Net Interest Margin | 4.23% | 3.28% | 3.82% | 4.31% | Beats 69% | 65 / 211 | |
| Efficiency Ratio | 67.02% | 53.01% | 64.18% | 73.65% | Beats 40% | 128 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.01% | 0.30% | 1.10% | Beats 26% | 155 / 208 | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.06% | Beats 14% | 180 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.46% | 11.72% | 14.45% | 19.57% | Beats 50% | 105 / 211 | |
| Total Risk-Based Capital Ratio | 15.62% | 11.94% | 14.78% | 20.30% | Beats 54% | 97 / 211 | |
| Equity / Assets | 10.69% | 9.41% | 11.06% | 12.94% | Beats 45% | 117 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 85.23% | 45.39% | 66.56% | 82.03% | 81st pctl | 40 / 208 | |
| Loans / Assets | 68.44% | 39.13% | 56.90% | 70.46% | 72nd pctl | 59 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |