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Shelby Savings Bank, SSB

Center, TX · Cert 32135 · Shelby Bancshares Inc.

SI · FDIC · 6 branches

Q2 2026

$457.4MAssets
$313.0MLoans
$367.3MDeposits
$48.9MEquity
Loan mix
74%RE $219.6M20%C&I $60.1M6%Consumer $17.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $284.1M23%Noninterest $83.2MQ2 2025Q2 2026

NIM

5.95%Q2 ’246.15%Q2 ’255.94%Q2 ’26+3%-4%

Non-interest income vs. expense

3.43%Q2 ’243.47%Q2 ’253.53%Q2 ’260%-10%

Market Position · Tyler, TX · 2026 SOD (annual) · 0.2% share · #22 of 28 inst. · $0.0B of $9.0B

30.6% Shelby
38.6% San Augustine
15.1% Sabine
2.7% Anderson

Executive Summary

  • Earnings: ROA of 1.43%, up 40 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 1.05% of loans (+61 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 11.11%, down 114 bps from a year ago.
  • Funding: loans stand at 85.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.43%+40 bps YoY

Net Interest Margin (quarter, annualized)

4.41%-20 bps YoY

Efficiency Ratio (quarter, annualized)

63.68%-37 bps YoY

Tier 1 Leverage Ratio

11.11%-114 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.48%1.17%0.97%1.43%+40 bps
Return on Equity9.23%13.50%10.71%9.22%13.57%+435 bps
Net Interest Margin4.61%4.61%4.52%4.06%4.41%-20 bps
Efficiency Ratio64.06%64.73%70.14%70.91%63.68%-37 bps
Non-Interest Burden2.66%2.71%2.93%2.66%2.38%-27 bps
Growth
Asset Growth (YoY)5.14%7.62%8.62%11.12%5.57%+43 bps
Loan Growth (YoY)10.61%10.52%7.71%-0.93%-1.39%-1,201 bps
Deposit Growth (YoY)6.25%9.46%9.89%14.89%8.19%+195 bps
Asset Quality
Nonperforming Loans / Loans0.44%1.14%0.98%1.34%1.05%+61 bps
Net Charge-Offs / Loans0.03%0.07%0.32%0.02%0.30%+26 bps
Allowance / Loans1.31%1.25%1.22%1.28%1.29%-2 bps
Allowance Coverage of NPLs3.0x1.1x1.2x1.0x1.2x-1.7x
Capital
Tier 1 Leverage Ratio12.25%12.31%12.00%10.84%11.11%-114 bps
Total Risk-Based Capital16.01%16.10%16.01%15.38%15.62%-39 bps
Equity / Assets10.95%10.99%10.79%10.36%10.69%-26 bps
Liquidity & Funding
Loans / Deposits93.51%91.81%88.64%86.47%85.23%-828 bps
Liquid Assets / Assets12.17%14.24%15.97%16.83%16.94%+477 bps
CRE / Total Capitaln/a111.18%112.19%119.18%n/an/a