Total Assets
$496M
Total balance-sheet footings
FDIC Cert #31936 · La Grange, Texas · Est. 1976
Fayette Savings Bank, SSB - FDIC Bank Health Profile
A community-scale look at Fayette Savings Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $496M
- Total assets
- A
- Health grade · Excellent
- 1.65%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
Fayette Savings Bank, SSB earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.81% Tier 1, profitable at 1.65% ROA, efficient (51% cost ratio).
- #1,793
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 10.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Fayette Savings Bank, SSB's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Fayette Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (10.81%) 28/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.07%) 20/20
Efficiency Ratio (50.93%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$446M
Customer-funded liabilities
Net Loans
$398M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fayette Savings Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fayette Savings Bank, SSB's score of 85/100 falls in the highlighted band.
Fayette Savings Bank, SSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fayette Savings Bank, SSB's $496M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.81%
Texas Ratio
0.07%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
17.32%
Efficiency Ratio
50.93%
What the numbers say about Fayette Savings Bank, SSB
Fayette Savings Bank, SSB is an FDIC-insured institution (Certificate #31936) headquartered in La Grange, Texas, established in 1976. It holds $496M in total assets - 1,793rd of 4,313 FDIC-insured banks, $446M in customer deposits, and $398M in net loans. Capital-wise, the Tier 1 ratio sits at 10.81%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.07%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Fayette Savings Bank, SSB sits 158th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$27M
Interest Income
$867K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fayette Savings Bank, SSB reports a Texas Ratio of 0.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fayette Savings Bank, SSB (FDIC Cert #31936) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Fayette Savings Bank, SSB's health grade?▼
Fayette Savings Bank, SSB receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Fayette Savings Bank, SSB?▼
Fayette Savings Bank, SSB holds $496M in total assets and $446M in deposits, ranking 1,793rd of 4,313 FDIC-insured banks by asset size. It is headquartered in La Grange, Texas.
Is my money safe at Fayette Savings Bank, SSB?▼
Yes, deposits at Fayette Savings Bank, SSB (Certificate #31936) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fayette Savings Bank, SSB's Tier 1 Capital Ratio?▼
Fayette Savings Bank, SSB has a Tier 1 Capital Ratio of 10.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Fayette Savings Bank, SSB?▼
Fayette Savings Bank, SSB has a Texas Ratio of 0.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fayette Savings Bank, SSB?▼
Fayette Savings Bank, SSB has an Efficiency Ratio of 50.93%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fayette Savings Bank, SSB's profile as a depositor or analyst.
- Fayette Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fayette Savings Bank, SSB against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.