Southstar Bank, S.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Southstar Bank, S.S.B. is an FDIC-insured savings bank headquartered in Moulton, TX, established in 1920 (FDIC certificate 12299), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.37B, up 8.3% from Q2 2025, the 73rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12299
- Headquarters
- Moulton, TX
- Established
- 1920
- Total assets, Q2 2026
- $1.37B
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 13.28%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 113119985
- Latest call report
- Q2 2026, FFIEC 051 · Southstar Bank, S.S.B. call report
- Holding company
- SOUTHERN BANCSHARES, INC.
- Asset rank in state
- 73rd of 346 in Texas
Southstar Bank, S.S.B. earns an unusually wide margin on its lending. The Moulton, Texas bank had $1.4 billion in assets at June 30, 2026, up 8.3% from a year earlier. It keeps 4.63 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 13.28% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Southstar Bank, S.S.B. reported a return on assets of 1.56%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 6.74%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Southstar Bank, S.S.B. is the 73rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $1.37B, loans rose 7.5% and deposits rose 3.1%. 1-4 family residential loans made up 30.2% of its total loans on June 30, 2026, its largest category; next came loans to nondepository financial institutions at 24.3%. Its 16 offices in the FDIC Summary of Deposits are in 15 cities in TX; its Moulton office books 14% of its branch deposits. Judged on its Q2 2026 call report, Southstar Bank, S.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, Moulton, TX 77975
- County
- Lavaca
- 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 051
- Established
- November 6, 1920
- Former names
- Lone Star Bank, S.S.B. (2004-2015); Lone Star Bank (2002-2004); First State Bank (1990-2002); Moulton State Bank (1981-1990)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 168
- Domestic deposits
- $1.13B
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $334K
- Average total assets
- $1.35B
- Average total loans
- $966.4M
- Average interest-bearing deposits
- $860.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12299
- Fed RSSD
- 171768
- Website
- www.southstarbank.com →
- Parent Holding Company
- SOUTHERN BANCSHARES, INC. (RSSD 1107184)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Southstar Bank, S.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Southstar Bank, S.S.B.'s total assets ran between $1.18B (Q4 2024) and $1.37B (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
$1.37B total assets against $1.26B; $1.20B total liabilities against $1.11B.
$1.03B net loans and leases against $961.0M; $1.13B total deposits against $1.03B.
$180.5M securities against $161.7M; $94.5M cash and balances due against $81.1M.
$20.7M total interest income against $19.9M; $5.8M total interest expense against $6.2M.
$14.8M net interest income against $13.7M.
$1.4M total noninterest income against $1.1M; $9.5M total noninterest expense against $8.5M.
$100K provision for credit losses against $125K.
$5.3M net income against $4.8M.
1.56% return on assets against 1.51%; 4.63% net interest margin against 4.51%.
13.28% tier 1 leverage ratio against 12.82%.
Inside the full Southstar Bank, S.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouthstar Bank, S.S.B. rankings
Its closest position to the top of a national ranking is 797 of 4,196, for total assets; its furthest is 428 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q4 2024) to 1.63% (Q3 2025) and its net interest margin ran from 4.51% (Q3 2024) to 4.81% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.28% | 1.56% | 0.62% | 6.74% | 4.63% |
| Q1 2026 | 13.27% | 1.53% | 1.18% | 10.52% | 4.57% |
| Q4 2025 | 13.19% | 1.62% | 0.78% | 6.94% | 4.76% |
| Q3 2025 | 13.06% | 1.63% | 0.76% | 6.98% | 4.81% |
| Q2 2025 | 12.82% | 1.51% | 0.72% | 6.87% | 4.51% |
| Q1 2025 | 13.04% | 1.52% | 0.25% | 3.80% | 4.52% |
| Q4 2024 | 13.12% | 1.37% | 0.15% | 3.06% | 4.57% |
| Q3 2024 | 12.79% | 1.50% | 0.21% | 3.48% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Southstar Bank, S.S.B. (main office) | Moulton , TX | 77975 | $156.6M |
| Bremond Branch | Bremond , TX | 76629 | $112.5M |
| Shiner Branch | Shiner , TX | 77984 | $110.8M |
| Franklin Branch | Franklin , TX | 77856 | $101.6M |
| Gonzales Branch | Gonzales , TX | 78629 | $85.7M |
| Hearne Branch | Hearne , TX | 77859 | $80.8M |
| Falconhead Branch | Bee Cave , TX | 78738 | $68.1M |
| Georgetown Branch | Georgetown , TX | 78633 | $65.7M |
| Brazoria Branch | Brazoria , TX | 77422 | $64.1M |
| Southwest Austin Branch | Austin , TX | 78736 | $57.3M |
| Steiner Ranch Branch | Austin , TX | 78732 | $57.1M |
| Kerrville Branch | Kerrville , TX | 78028 | $52.1M |
| Leander Branch | Leander , TX | 78641 | $38.9M |
| Sendero Springs Branch | Round Rock , TX | 78681 | $35.2M |
| Harker Heights Branch | Harker Heights , TX | 76548 | $20.8M |
| Calvert Branch | Calvert , TX | 77837 | $18.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired First Star Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 1987 | Structure Change | Acquired Bank of Brazoria Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 101 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 276 applications, 142 loans originated, $73.3M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $637K approved, $159K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Southstar Bank, S.S.B.
What are Southstar Bank, S.S.B.'s total assets?
As of the Q2 2026 filing, Southstar Bank, S.S.B. reported total assets of $1.37 billion in its FFIEC call report.
Where is Southstar Bank, S.S.B. headquartered?
It is headquartered in Moulton, TX, United States.
When was Southstar Bank, S.S.B. founded?
It was established in 1920, per the FDIC institution directory.
Is Southstar Bank, S.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #12299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southstar Bank, S.S.B.?
Southstar Bank, S.S.B.'s primary federal regulator is the FDIC.
How many branches does Southstar Bank, S.S.B. operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southstar Bank, S.S.B.'s Texas Ratio?
Its Texas Ratio is 6.74% 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.
What was Southstar Bank, S.S.B. previously called?
The charter now named Southstar Bank, S.S.B. has also operated as Lone Star Bank, S.S.B. (2004-2015), Lone Star Bank (2002-2004), First State Bank (1990-2002), Moulton State Bank (1981-1990), per FDIC structure-change records.
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