Shelby Savings Bank, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 45.30 percentage points in Q2 2026, from 102.41% to 147.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Shelby Savings Bank, SSB is 94th of 345 on return on assets, 1.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Shelby Savings Bank, SSB sits 0.57 points higher, at 1.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.62% |
| Tier 1 leverage ratio | 11.11% |
| Equity capital to assets | 10.69% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 8.60% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 147.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 17.29% |
| Net interest margin | 4.66% |
| Efficiency ratio | 63.69% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.23% |
| Core deposits to total deposits | 88.21% |
| Brokered deposits to total deposits | 1.40% |
| Deposits to assets | 80.30% |
| Securities to assets | 7.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.93% | 14.93% | 15.90% | 11.88% | 1.82% |
| Q4 2023 | 14.96% | 14.96% | 15.98% | 11.73% | 1.77% |
| Q1 2024 | 15.24% | 15.24% | 16.22% | 11.79% | 1.27% |
| Q2 2024 | 15.48% | 15.48% | 16.55% | 12.00% | 1.49% |
| Q3 2024 | 15.68% | 15.68% | 16.61% | 12.36% | 2.16% |
| Q4 2024 | 15.18% | 15.18% | 16.19% | 12.07% | 1.54% |
| Q1 2025 | 14.67% | 14.67% | 15.70% | 12.32% | 1.76% |
| Q2 2025 | 14.80% | 14.80% | 16.01% | 12.25% | 1.32% |
| Q3 2025 | 14.89% | 14.89% | 16.05% | 12.31% | 1.95% |
| Q4 2025 | 14.89% | 14.89% | 16.01% | 12.00% | 1.54% |
| Q1 2026 | 14.21% | 14.21% | 15.38% | 10.84% | 1.24% |
| Q2 2026 | 14.46% | 14.46% | 15.62% | 11.11% | 1.82% |
Shelby Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby Savings Bank, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)