Fayette Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Fayette Savings Bank, SSB is an FDIC-insured savings bank headquartered in La Grange, TX, established in 1976 (FDIC certificate 31936), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $551.8M, up 17.7% from Q2 2025, the 151st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31936
- Headquarters
- La Grange, TX
- Established
- 1976
- Total assets, Q2 2026
- $551.8M
- Assets vs Q2 2025
- +17.7%
- Tier 1 leverage ratio, Q2 2026
- 10.95%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 313173792
- Latest call report
- Q2 2026, FFIEC 051 · Fayette Savings Bank, SSB call report
- Holding company
- FAYETTE BANCSHARES, INC.
- Asset rank in state
- 151st of 346 in Texas
Fayette Savings Bank, SSB, based in La Grange, Texas, reported $552 million in assets at June 30, 2026, up 17.7% from a year earlier. It grew deposits 17.3% over the year, 4.3 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.6 million, 37% above the same quarter a year earlier. Over the same year, loans grew 12.6% and deposits grew 17.3%. Funding is the softer spot: it pays an average of 2.36% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Fayette Savings Bank, SSB reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Fayette Savings Bank, SSB is the 151st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $551.8M, loans rose 4.8% and deposits rose 3.1%. 1-4 family residential loans made up 57.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.4%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TX; its La Grange office books 51% of its branch deposits. On its Q2 2026 call report, Fayette Savings Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 E Travis St, La Grange, TX 78945
- County
- Fayette
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1976
- Former names
- Fayette Savings Association (1984-1998)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $495.2M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $540.1M
- Average total loans
- $414.6M
- Average interest-bearing deposits
- $455.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31936
- Fed RSSD
- 675079
- Website
- www.fayettesavings.com →
- Parent Holding Company
- FAYETTE BANCSHARES, INC. (RSSD 4993173)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fayette Savings Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fayette Savings Bank, SSB's total assets ranged from $425.0M (Q3 2023) to $551.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$551.8M total assets against $468.9M; $497.1M total liabilities against $423.7M.
$422.2M net loans and leases against $375.1M; $495.2M total deposits against $422.1M.
$40.2M securities against $34.4M; $75.0M cash and balances due against $51.2M.
$7.6M total interest income against $6.6M; $2.9M total interest expense against $2.7M.
$4.7M net interest income against $3.9M.
$328K total noninterest income against $158K; $2.5M total noninterest expense against $2.1M.
$0 provision for credit losses against $30K.
$2.6M net income against $1.9M.
1.90% return on assets against 1.62%; 3.59% net interest margin against 3.43%.
10.95% tier 1 leverage ratio against 10.94%.
Inside the full Fayette Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFayette Savings Bank, SSB rankings
Its closest position to the top of a national ranking is 623 of 3,611, for ROA; its furthest is 3,283 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 1.90% (Q2 2026) and its net interest margin ran from 2.94% (Q3 2024) to 3.67% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.90% | 0.01% | 0.05% | 3.59% |
| Q1 2026 | 10.74% | 1.88% | 0.01% | 0.06% | 3.67% |
| Q4 2025 | 10.81% | 1.77% | 0.01% | 0.88% | 3.60% |
| Q3 2025 | 11.21% | 1.73% | 0.01% | 1.09% | 3.63% |
| Q2 2025 | 10.94% | 1.62% | 0.15% | 1.17% | 3.43% |
| Q1 2025 | 10.65% | 1.56% | 0.01% | 0.07% | 3.25% |
| Q4 2024 | 10.40% | 1.36% | 0.01% | 0.08% | 3.24% |
| Q3 2024 | 10.18% | 1.28% | 0.01% | 0.09% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fayette Savings Bank, SSB (main office) | La Grange , TX | 78945 | $250.7M |
| 87 North Kessler Branch | Schulenburg , TX | 78956 | $82.1M |
| Flatonia Branch | Flatonia , TX | 78941 | $61.1M |
| Weimar Branch | Weimar , TX | 78962 | $55.0M |
| Fayetteville Branch | Fayetteville , TX | 78940 | $46.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 191 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $214K approved, $54K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fayette Savings Bank, SSB
What are Fayette Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Fayette Savings Bank, SSB reported total assets of $551.8 million in its FFIEC call report.
Where is Fayette Savings Bank, SSB headquartered?
It is headquartered in La Grange, TX, United States.
When was Fayette Savings Bank, SSB founded?
It was established in 1976, per the FDIC institution directory.
Is Fayette Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #31936). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fayette Savings Bank, SSB?
Fayette Savings Bank, SSB's primary federal regulator is the FDIC.
How many branches does Fayette Savings Bank, SSB operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fayette Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fayette Savings Bank, SSB previously called?
The charter now named Fayette Savings Bank, SSB has also operated as Fayette Savings Association (1984-1998), per FDIC structure-change records.
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