Total Assets
$454M
Total balance-sheet footings
FDIC Cert #32135 · Center, Texas · Est. 1979
Shelby Savings Bank, SSB - FDIC Bank Health Profile
A community-scale look at Shelby Savings Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $454M
- Total assets
- A
- Health grade · Excellent
- 1.60%
- Return on assets
- 14.9%
- Tier 1 capital
Data updated July 2026
The verdict
Shelby Savings Bank, SSB earns a PlainBankData health grade of A (84/100), with well-capitalized at 14.89% Tier 1, profitable at 1.60% ROA, 65% efficiency ratio.
- #1,918
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 14.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Shelby Savings Bank, SSB's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Shelby Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (14.89%) 35/40
Return on Assets (ROA) (1.60%) 25/25
Texas Ratio (5.90%) 16/20
Efficiency Ratio (65.46%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$360M
Customer-funded liabilities
Net Loans
$315M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Shelby Savings Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Shelby Savings Bank, SSB's score of 84/100 falls in the highlighted band.
Shelby 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). Shelby Savings Bank, SSB's $454M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.89%
Texas Ratio
5.90%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
14.56%
Efficiency Ratio
65.46%
What the numbers say about Shelby Savings Bank, SSB
Shelby Savings Bank, SSB is an FDIC-insured institution (Certificate #32135) headquartered in Center, Texas, established in 1979. It holds $454M in total assets - 1,918th of 4,313 FDIC-insured banks, $360M in customer deposits, and $315M in net loans. Its capital position: a Tier 1 ratio of 14.89%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.90% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Shelby Savings Bank, SSB sits 171st of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Shelby Savings Bank, SSB reports a Texas Ratio of 5.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.90% - 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) Shelby Savings Bank, SSB (FDIC Cert #32135) - 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 Shelby Savings Bank, SSB's health grade?▼
Shelby Savings Bank, SSB receives a health grade of A (84/100) 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 Shelby Savings Bank, SSB?▼
Shelby Savings Bank, SSB holds $454M in total assets and $360M in deposits, ranking 1,918th of 4,313 FDIC-insured banks by asset size. It is headquartered in Center, Texas.
Is my money safe at Shelby Savings Bank, SSB?▼
Yes, deposits at Shelby Savings Bank, SSB (Certificate #32135) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Shelby Savings Bank, SSB's Tier 1 Capital Ratio?▼
Shelby Savings Bank, SSB has a Tier 1 Capital Ratio of 14.89%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Shelby Savings Bank, SSB?▼
Shelby Savings Bank, SSB has a Texas Ratio of 5.90%. 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 Shelby Savings Bank, SSB?▼
Shelby Savings Bank, SSB has an Efficiency Ratio of 65.46%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Shelby Savings Bank, SSB's profile as a depositor or analyst.
- Shelby Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Shelby 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.