Shelby Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shelby Savings Bank, SSB of Center, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.35% | +0.47% | 79th top |
| ROAE | 17.29% | 12.05% | +5.24% | 77th top |
| Net Interest Margin | 4.66% | 3.90% | +0.76% | 85th top |
| Efficiency Ratio | 63.69% | 63.15% | +0.54% | 43rd below |
| PPNR / Avg Assets | 2.01% | 1.64% | +0.37% | 73rd above |
| Yield on Earning Assets | 6.30% | 5.65% | +0.65% | 81st top |
| Cost of Funds | 1.74% | 1.85% | -0.11% | 54th above |
| Net Interest Spread | 4.09% | 3.35% | +0.74% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.92% | -0.05% | 31st below |
| NPA / Total Assets | 0.79% | 0.67% | +0.12% | 27th below |
| NCO / Avg Loans | 0.30% | 0.14% | +0.16% | 10th bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 147.71% | 1645.78% | -1498.07% | 40th below |
| Texas Ratio | 8.60% | 7.15% | +1.45% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 161.04% | 1189.82% | -1028.78% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.46% | 20.83% | -6.37% | 44th below |
| Tier 1 Ratio | 14.46% | 20.87% | -6.41% | 44th below |
| Total Capital Ratio | 15.62% | 21.94% | -6.32% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.11% | 12.46% | -1.35% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.69% | 11.67% | -0.98% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.44% | 11.40% | -0.96% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.23% | 78.64% | +6.59% | 40th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.21% | 87.09% | +1.12% | 45th below |
| Wholesale Funding Ratio | 8.55% | 5.11% | +3.44% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.57% | 6.47% | -0.90% | 59th above |
| Loan Growth (Y/Y) | -1.39% | 7.64% | -9.03% | 17th bottom |
| Deposit Growth (Y/Y) | 8.19% | 6.02% | +2.17% | 77th top |
See Shelby Savings Bank, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shelby Savings Bank, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shelby Savings Bank, SSB profile, how to read a UBPR, or how this data updates.