SHELBY SAVINGS BANK, SSB

CENTER, TX | Small | Est. Jan. 1, 1979, midnight | FDIC #32135 | RSSD #552974 | FDIC
Latest Report: 2025-12-31

SHELBY SAVINGS BANK, SSB is asn small FDIC-insured commercial bank headquartered in CENTER, TX, established in Jan. 1, 1979, midnight. As of 2025-12-31, the bank reported total assets of $454M and total deposits of $360M. Profitability stands at 1.48% ROA and 13.57% ROE, with a net interest margin of 4.70%. The bank's CET1 capital ratio is 14.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 4.85%. FDIC Certificate #32135.

Assets

$454M

Deposits

$360M

Loans

$319M

Equity

$49M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 13.57%
Net Interest Margin (NIM) 4.70%
Yield on Assets 6.49%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.12%
Texas Ratio 4.85%
NPA Ratio 0.57%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 14.89%
Tier 1 Capital 14.89%
Total Capital Ratio 16.01%
Leverage Ratio 12.00%
Loan-to-Deposit 88.64%

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