Shelby Savings Bank, SSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.4% higher than in Q1 2026, at -$2.9M. Shelby Savings Bank, SSB ranks 130th of 184 Texas banks on CET1 ratio, in the lower half at 14.46% (Q2 2026). Shelby Savings Bank, SSB reported 14.46% on CET1 ratio for Q2 2026, 0.61 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.62% |
| Tier 1 leverage ratio | 11.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $50.5M |
| Tier 1 capital | $50.5M |
| Total risk-based capital | $54.6M |
| Total equity capital | $48.9M |
| Risk-weighted assets | $349.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.69% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 10.72% |
| Internal capital growth rate | 11.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $732K |
| Common stock surplus | $4.4M |
| Retained earnings | $46.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.93% | 14.93% | 15.90% | 11.88% | $318.4M |
| Q4 2023 | 14.96% | 14.96% | 15.98% | 11.73% | $314.9M |
| Q1 2024 | 15.24% | 15.24% | 16.22% | 11.79% | $313.2M |
| Q2 2024 | 15.48% | 15.48% | 16.55% | 12.00% | $314.3M |
| Q3 2024 | 15.68% | 15.68% | 16.61% | 12.36% | $320.6M |
| Q4 2024 | 15.18% | 15.18% | 16.19% | 12.07% | $326.8M |
| Q1 2025 | 14.67% | 14.67% | 15.70% | 12.32% | $345.1M |
| Q2 2025 | 14.80% | 14.80% | 16.01% | 12.25% | $346.0M |
| Q3 2025 | 14.89% | 14.89% | 16.05% | 12.31% | $352.3M |
| Q4 2025 | 14.89% | 14.89% | 16.01% | 12.00% | $348.0M |
| Q1 2026 | 14.21% | 14.21% | 15.38% | 10.84% | $346.3M |
| Q2 2026 | 14.46% | 14.46% | 15.62% | 11.11% | $349.4M |
Shelby Savings Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby Savings Bank, SSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shelby Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32135) · FFIEC NIC profile (RSSD 552974)