Shelby Savings Bank, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.86 percentage points higher than in Q1 2026, at 101.41%. Within Texas, Shelby Savings Bank, SSB is 90th of 346 on loan-to-deposit ratio, 85.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Shelby Savings Bank, SSB sits 4.39 points higher, at 85.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $313.0M |
| Net loans and leases | $309.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.44% |
| Loan-to-deposit ratio | 85.23% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.32% |
| Multifamily (5+ residential) | 1.00% |
| Commercial and industrial | 19.48% |
| Consumer | 5.41% |
| Credit cards | 0.00% |
| Farm | 32.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.41% |
| Construction concentration (Tier 1 capital + allowance) | 38.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $5.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $290.3M | $308.9M | 6.80% | 15.55% | 6.04% |
| Q4 2023 | $288.3M | $315.6M | 6.71% | 16.07% | 6.17% |
| Q1 2024 | $287.0M | $321.4M | 6.72% | 15.69% | 6.13% |
| Q2 2024 | $287.0M | $319.5M | 5.83% | 17.29% | 6.42% |
| Q3 2024 | $293.9M | $323.3M | 7.64% | 16.87% | 6.36% |
| Q4 2024 | $295.9M | $327.2M | 8.10% | 17.26% | 6.38% |
| Q1 2025 | $318.9M | $318.1M | 8.79% | 17.44% | 5.92% |
| Q2 2025 | $317.5M | $339.5M | 8.71% | 18.03% | 5.80% |
| Q3 2025 | $324.8M | $353.8M | 10.69% | 18.98% | 5.56% |
| Q4 2025 | $318.7M | $359.6M | 11.04% | 19.39% | 5.65% |
| Q1 2026 | $316.0M | $365.4M | 11.19% | 19.01% | 5.59% |
| Q2 2026 | $313.0M | $367.3M | 12.32% | 19.48% | 5.41% |
Shelby Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby Savings Bank, SSB, freeSource: Call Report Schedule RC-C, 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)