SOUTHSTAR BANK, S.S.B.

MOULTON, TX | Large | Est. Nov. 6, 1920, midnight | FDIC #12299 | RSSD #171768 | FDIC
Latest Report: 2025-12-31

SOUTHSTAR BANK, S.S.B. is aln large FDIC-insured commercial bank headquartered in MOULTON, TX, established in Nov. 6, 1920, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.0B. Profitability stands at 1.63% ROA and 12.95% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 18.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.66% and a Texas Ratio of 6.22%. FDIC Certificate #12299.

Assets

$1.3B

Deposits

$1.0B

Loans

$995M

Equity

$165M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 12.95%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.93%
Cost of Funds 3.12%

Asset Quality

NPL Ratio 0.66%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.22%
NPA Ratio 0.83%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 18.17%
Tier 1 Capital 18.17%
Total Capital Ratio 19.04%
Leverage Ratio 13.19%
Loan-to-Deposit 95.05%

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