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Southstar Bank, S.S.B.
Moulton, TX · FDIC Certificate #12299 · Chartered 11/0
Total assets
$1.37B
Total deposits
$1.13B
Total equity
$170.81M
Net loans
$1.03B
Branches (offices)
16
Net income (YTD)
$10.33M
Rank: #805 of 4,213 U.S. banks by assets · #73 of 346 in Texas. Assets changed 8.3% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 12.33% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 12.47% |
| Tier 1 leverage ratio | 13.28% |
| Uninsured deposits (share of deposits) | 34.2% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 91.9% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $766.22M | 74.0% | |
| Commercial & industrial | $16.16M | 1.6% | |
| Consumer / individual | $4.93M | 0.5% | |
| Construction & development | $200.02M | 19.3% | |
| Agricultural | $1.46M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.16B | $989.48M | $7.63M | $111.61M |
| Jun 2023 | $1.25B | $905.43M | $8.37M | $123.61M |
| Jun 2024 | $1.22B | $907.33M | $8.34M | $139.15M |
| Jun 2025 | $1.26B | $1.03B | $9.49M | $153.80M |
| Jun 2026 | $1.37B | $1.13B | $10.33M | $170.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.13B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.13B.
Similar-sized banks
Community Financial Services Bank ($1.37B) · Ballston Spa National Bank ($1.37B)
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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