Shelby Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Shelby Savings Bank, SSB is an FDIC-insured savings bank headquartered in Center, TX, established in 1979 (FDIC certificate 32135), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $457.4M, up 5.6% from Q2 2025, the 167th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32135
- Headquarters
- Center, TX
- Established
- 1979
- Total assets, Q2 2026
- $457.4M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 14.46%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 313192647
- Latest call report
- Q2 2026, FFIEC 041 · Shelby Savings Bank, SSB call report
- Holding company
- SHELBY BANCSHARES, INC.
- Asset rank in state
- 167th of 346 in Texas
Problem loans are rising at Shelby Savings Bank, SSB. Based in Center, Texas, it had $457 million in assets at June 30, 2026, up 5.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.44% a year earlier. It keeps 4.66 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 1.4% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $2.1 million, 50% above the same quarter a year earlier. Over the same year, loans shrank 1.4% and deposits grew 8.2%. Credit is the area to watch: it carries problem assets equal to 8.1% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Shelby Savings Bank, SSB reported a CET1 capital ratio of 14.46%, a return on assets of 1.82%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 8.09%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Shelby Savings Bank, SSB is the 167th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $457.4M, loans fell 0.9% and deposits rose 0.5%. Farmland and other real estate loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.5%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in TX; its Center 2 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Shelby Savings Bank, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 Selma St, Center, TX 75935
- County
- Shelby
- 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 041
- Established
- January 1, 1979
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 105
- Domestic deposits
- $367.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $249K
- Average total assets
- $456.4M
- Average total loans
- $312.8M
- Average interest-bearing deposits
- $278.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32135
- Fed RSSD
- 552974
- Website
- www.shelbysavingsbank.com →
- Parent Holding Company
- SHELBY BANCSHARES, INC. (RSSD 2960630)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Shelby Savings Bank, SSB's total assets ranged from $404.2M (Q3 2023) to $457.4M (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
$457.4M total assets against $433.3M; $408.5M total liabilities against $385.8M.
$309.0M net loans and leases against $313.3M; $367.3M total deposits against $339.5M.
$35.3M securities against $34.4M; $84.1M cash and balances due against $61.6M.
$6.8M total interest income against $6.4M; $1.8M total interest expense against $1.6M.
$5.0M net interest income against $4.8M.
$1.3M total noninterest income against $844K; $4.0M total noninterest expense against $3.6M.
$224K provision for credit losses against $650K.
$2.1M net income against $1.4M.
1.82% return on assets against 1.32%; 4.66% net interest margin against 4.83%.
14.46% CET1 capital ratio against 14.80%; 11.11% tier 1 leverage ratio against 12.25%.
Inside the full Shelby Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeShelby Savings Bank, SSB rankings
Its closest position to the top of a national ranking is 722 of 3,611, for ROA; its furthest is 2,221 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.24% (Q1 2026) to 2.16% (Q3 2024) and its net interest margin ran from 4.30% (Q1 2026) to 4.83% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.46% | 1.82% | 1.05% | 8.09% | 4.66% |
| Q1 2026 | 14.21% | 1.24% | 1.34% | 8.71% | 4.30% |
| Q4 2025 | 14.89% | 1.54% | 0.98% | 6.16% | 4.57% |
| Q3 2025 | 14.89% | 1.95% | 1.14% | 7.22% | 4.67% |
| Q2 2025 | 14.80% | 1.32% | 0.44% | 2.72% | 4.83% |
| Q1 2025 | 14.67% | 1.76% | 0.35% | 2.21% | 4.83% |
| Q4 2024 | 15.18% | 1.54% | 0.31% | 1.90% | 4.60% |
| Q3 2024 | 15.68% | 2.16% | 0.27% | 1.56% | 4.59% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Shelby Savings Bank, SSB (main office) | Center , TX | 75935 | $192.5M |
| San Augustine Office | San Augustine , TX | 75972 | $91.7M |
| Hemphill Office | Hemphill , TX | 75948 | $32.3M |
| Shelby Savings Bank, Ssb Palestine Office | Palestine , TX | 75801 | $24.0M |
| Shelby Savings Bank, Ssb Branch | Lindale , TX | 75771 | $19.9M |
| Center North Branch | Center , TX | 75935 | $7.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- September 4, 1991, OCC (former OTS): Supervisory Agreement: Shelby County Savings Assocition
- Period: Most recent institution action September 4, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 214 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 81 loans originated, $15.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $3.4M approved, $677K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Shelby Savings Bank, SSB
What are Shelby Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Shelby Savings Bank, SSB reported total assets of $457.4 million in its FFIEC call report.
Where is Shelby Savings Bank, SSB headquartered?
It is headquartered in Center, TX, United States.
When was Shelby Savings Bank, SSB founded?
It was established in 1979, per the FDIC institution directory.
Is Shelby Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #32135). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shelby Savings Bank, SSB?
Shelby Savings Bank, SSB's primary federal regulator is the FDIC.
What is Shelby Savings Bank, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Shelby Savings Bank, SSB operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shelby Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 8.09% 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.
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