Shelby Savings Bank, SSB

BankCenter, Texas
www.shelbysavingsbank.com

Total Assets

$454.0M

Total Deposits

$359.6M

Branches

6

Established

1979

TFS Health Grade

$
B-

80.0 / 100

Good financial health

How we grade

Shelby Savings Bank, SSB is a bank headquartered in Center, Texas, established in 1979. With $454.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of B- (80.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.00%(8%)
Total Capital Ratio
16.07%(10%)
Non-Performing Loan Ratio
0.98%

Profitability

Return on Assets (ROA)
1.60%(1%)
Return on Equity (ROE)
14.56%(10%)
Net Interest Margin
4.79%
Efficiency Ratio
65.46%(60%)

Lending & Liquidity

Total Loans
$318.7M
Loan-to-Deposit Ratio
87.56%
Net Charge-Off Ratio
0.12%

Growth

Asset Growth (YoY)
+8.62%
Deposit Growth (YoY)
+9.89%
Net Income
$6.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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