Southstar Bank, S.S.B.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 0.40% from 1.49% in the prior period. Southstar Bank, S.S.B. is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Southstar Bank, S.S.B reported $1.4B in total assets against $1.1B in deposits. Returns are notably above industry norms: 1.56% ROA, 12.46% ROE, and 4.63% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.28% exceeds the CBLR threshold. Asset quality is pristine, 0.40% NPLs and a 6.74% Texas Ratio. Its footprint covers 16 branches concentrated in Texas.
As of June 30, 2026, Southstar Bank, S.S.B. reported a Tier 1 leverage ratio of 13.28%, a return on assets of 1.56%, a nonperforming-loan ratio of 0.40%, a Texas ratio of 6.74%, per financial data filed with the FFIEC.
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)
- Offices
- 16 domestic
- Employees (FTE)
- 168
- Domestic deposits
- $1.13B
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $334K
- 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
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. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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 Southstar Bank, S.S.B. terminal
26 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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.28% | 1.56% | 0.40% | 6.74% | 4.63% |
| Q1 2026 | 13.27% | 1.53% | 1.49% | 13.42% | 4.57% |
| Q4 2025 | 13.19% | 1.62% | 1.17% | 9.89% | 4.76% |
| Q3 2025 | 13.06% | 1.63% | 0.68% | 6.98% | 4.81% |
| Q2 2025 | 12.82% | 1.51% | 0.65% | 6.87% | 4.51% |
| Q1 2025 | 13.04% | 1.52% | 0.04% | 3.80% | 4.52% |
| Q4 2024 | 13.12% | 1.37% | 0.04% | 3.06% | 4.57% |
| Q3 2024 | 12.79% | 1.50% | 0.04% | 3.48% | 4.51% |
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 16 branches →
| 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
What the public regulatory sources show for Southstar Bank, S.S.B., 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 101 of 447 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southstar Bank, S.S.B. headquartered?
Southstar Bank, S.S.B. is headquartered in Moulton, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southstar Bank, S.S.B. founded?
Southstar Bank, S.S.B. was established in 1920, per the FDIC institution directory.
Is Southstar Bank, S.S.B. FDIC-insured?
Yes. Southstar Bank, S.S.B. is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Southstar Bank, S.S.B. operate?
Southstar Bank, S.S.B. 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?
Southstar Bank, S.S.B.'s Texas Ratio is 6.74% 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.
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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