BanksSHELBY SAVINGS BANK, SSB

SHELBY SAVINGS BANK, SSB

CENTER, TXSmallEst. Jan. 1, 1979, midnightFDIC #32135RSSD #552974FDIC
Latest · 2025-12-31

SHELBY SAVINGS BANK, SSB is an 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%. CET1 capital ratio: 14.89%, well above regulatory minimums. NPL ratio: 0.77% · Texas Ratio: 4.85%. Operates 6 domestic branches.

Assets
$454M
Deposits
$360M
Loans
$319M
Equity
$49M

Profitability

Return on Assets (ROA)1.48%
Return on Equity (ROE)13.57%
Net Interest Margin4.70%
Yield on Assets6.49%
Cost of Funds1.86%

Asset Quality

NPL Ratio0.77%
Net Charge-Off Ratio0.12%
Texas Ratio4.85%
NPA Ratio0.57%
ACL / Loans1.22%

Capital & Liquidity

CET1 Ratio14.89%
Tier 1 Capital14.89%
Total Capital Ratio16.01%
Leverage Ratio12.00%
Loan-to-Deposit88.64%

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