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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 $17.7MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $284.1M23%Noninterest $83.2MQ3 2024Q2 2026

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 1.20%, up 1 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.05% of loans (+61 bps YoY), with net charge-offs at 0.16%.
  • 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.

Return on Assets (YTD, annualized)

1.20%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-29 bps YoY

Efficiency Ratio (YTD, annualized)

67.02%+355 bps YoY

Tier 1 Leverage Ratio

11.11%-114 bps YoY

NIM

5.77%Q2 ’246.00%Q2 ’255.82%Q2 ’26+4%-6%

Non-interest income vs. expense

3.40%Q2 ’243.45%Q2 ’253.45%Q2 ’26-4%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.26%1.38%1.19%1.29%1.26%0.97%1.20%+1 bps
Return on Equity11.74%11.57%12.31%10.76%11.67%11.48%9.22%11.32%+56 bps
Net Interest Margin4.34%4.33%4.50%4.52%4.49%4.45%4.06%4.23%-29 bps
Efficiency Ratio65.92%65.96%62.88%63.46%63.89%65.46%70.91%67.02%+355 bps
Non-Interest Burden2.59%2.59%2.44%2.53%2.56%2.62%2.66%2.52%-1 bps
Growth
Asset Growth (YoY)3.22%2.72%-1.14%5.14%7.62%8.62%11.12%5.57%+43 bps
Loan Growth (YoY)1.25%2.66%11.13%10.61%10.52%7.71%-0.93%-1.39%-1,201 bps
Deposit Growth (YoY)4.64%3.66%-1.05%6.25%9.46%9.89%14.89%8.19%+195 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.31%0.35%0.44%1.14%0.98%1.34%1.05%+61 bps
Net Charge-Offs / Loans0.26%0.18%0.06%0.04%0.05%0.12%0.02%0.16%+12 bps
Allowance / Loans1.01%1.09%1.10%1.31%1.25%1.22%1.28%1.29%-2 bps
Allowance Coverage of NPLs3.8x3.5x3.2x3.0x1.1x1.2x1.0x1.2x-1.7x
Capital
Tier 1 Leverage Ratio12.36%12.07%12.32%12.25%12.31%12.00%10.84%11.11%-114 bps
Total Risk-Based Capital16.61%16.19%15.70%16.01%16.10%16.01%15.38%15.62%-39 bps
Equity / Assets11.32%10.94%11.42%10.95%10.99%10.79%10.36%10.69%-26 bps
Liquidity & Funding
Loans / Deposits90.92%90.44%100.27%93.51%91.81%88.64%86.47%85.23%-828 bps
Liquid Assets / Assets13.59%14.15%6.75%12.17%14.24%15.97%16.83%16.94%+477 bps
CRE / Total Capitaln/an/an/an/a111.18%112.19%119.18%n/an/a