Shelby Savings Bank, SSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Shelby Savings Bank, SSB is the primary bank subsidiary of its parent holding company, headquartered in Center, TX. On its most recent Q2 2026 call report, Shelby Savings Bank, SSB reported $457M in total assets against $367M in deposits. Returns are notably above industry norms: 1.82% ROA, 17.29% ROE, and 4.66% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 14.46% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.87% nonperforming loans and a 8.60% Texas Ratio. 6 branches make up the footprint.
As of June 30, 2026, Shelby Savings Bank, SSB reported a CET1 capital ratio of 14.46%, a return on assets of 1.82%, a nonperforming-loan ratio of 0.87%, a Texas ratio of 8.60%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 111 Selma St, Center, TX 75935
- County
- Shelby
- 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 041
- Established
- January 1, 1979
- Offices
- 6 domestic
- Employees (FTE)
- 105
- Domestic deposits
- $367.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $249K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32135
- Fed RSSD
- 552974
- Website
- www.shelbysavingsbank.com →
- Parent Holding Company
- SHELBY BANCSHARES, INC. (RSSD 2960630)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Shelby Savings Bank, SSB terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.46% | 1.82% | 0.87% | 8.60% | 4.66% |
| Q1 2026 | 14.21% | 1.24% | 1.25% | 9.26% | 4.30% |
| Q4 2025 | 14.89% | 1.54% | 0.85% | 6.69% | 4.57% |
| Q3 2025 | 14.89% | 1.95% | 0.88% | 7.82% | 4.67% |
| Q2 2025 | 14.80% | 1.32% | 0.30% | 3.35% | 4.83% |
| Q1 2025 | 14.67% | 1.76% | 0.25% | 2.87% | 4.83% |
| Q4 2024 | 15.18% | 1.54% | 0.19% | 2.58% | 4.60% |
| Q3 2024 | 15.68% | 2.16% | 0.95% | 6.98% | 4.59% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Shelby Savings Bank, SSB (main office) | Center , TX | 75935 | $192.5M |
| San Augustine Office | San Augustine , TX | 75972 | $91.7M |
| Hemphill Office | Hemphill , TX | 75948 | $32.3M |
| Shelby Savings Bank, Ssb Palestine Office | Palestine , TX | 75801 | $24.0M |
| Shelby Savings Bank, Ssb Branch | Lindale , TX | 75771 | $19.9M |
| Center North Branch | Center , TX | 75935 | $7.0M |
Regulatory record
What the public regulatory sources show for Shelby Savings Bank, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- September 4, 1991, OCC (former OTS): Supervisory Agreement: Shelby County Savings Assocition
- Period: Most recent institution action September 4, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 214 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 81 loans originated, $15.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Shelby Savings Bank, SSB
What are Shelby Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Shelby Savings Bank, SSB reported total assets of $457.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shelby Savings Bank, SSB headquartered?
Shelby Savings Bank, SSB is headquartered in Center, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Shelby Savings Bank, SSB founded?
Shelby Savings Bank, SSB was established in 1979, per the FDIC institution directory.
Is Shelby Savings Bank, SSB FDIC-insured?
Yes. Shelby Savings Bank, SSB is an FDIC-insured commercial bank (FDIC Certificate #32135). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shelby Savings Bank, SSB?
Shelby Savings Bank, SSB's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Shelby Savings Bank, SSB's CET1 capital ratio?
Shelby Savings Bank, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 14.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Shelby Savings Bank, SSB operate?
Shelby Savings Bank, SSB operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shelby Savings Bank, SSB's Texas Ratio?
Shelby Savings Bank, SSB's Texas Ratio is 8.60% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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