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Shelby Savings Bank, SSB
Center, TX · FDIC Certificate #32135 · Chartered 01/0
Total assets
$457.44M
Total deposits
$367.30M
Total equity
$48.90M
Net loans
$309.01M
Branches (offices)
6
Net income (YTD)
$3.49M
Rank: #1,886 of 4,213 U.S. banks by assets · #167 of 346 in Texas. Assets changed 5.6% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 14.42% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 10.69% |
| Tier 1 leverage ratio | 11.11% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 1.05% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $218.07M | 70.6% | |
| Commercial & industrial | $61.00M | 19.7% | |
| Consumer / individual | $16.94M | 5.5% | |
| Construction & development | $21.15M | 6.8% | |
| Agricultural | $11.46M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $399.63M | $321.75M | $1.33M | $37.62M |
| Jun 2023 | $410.36M | $315.03M | $2.94M | $41.70M |
| Jun 2024 | $412.09M | $319.53M | $2.80M | $44.74M |
| Jun 2025 | $433.28M | $339.49M | $3.19M | $47.46M |
| Jun 2026 | $457.44M | $367.30M | $3.49M | $48.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $367.30M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $367.30M.
Similar-sized banks
Meade County Bank ($458.36M) · Guaranty Bank & Trust Company Of Delhi, Louisiana ($457.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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