TellerScore

Shelby Savings Bank, SSB (FDIC certificate #32135) is based in Center, Texas. Its Q2 2026 call report shows $457.4M in total assets and $367.3M in deposits and 6 offices.

Based on its Q2 2026 filing, Shelby Savings Bank, SSB scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 233rd. Its strongest component is problem-loan coverage (84/100; 7.9%), and its lowest is capital cushion (61/100; 11.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.11%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.05%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 24.3% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (77 → 69), mostly because the loan quality component weakened by 20 points.

TellerScore
637280Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202480
Q4 202479
Q1 202579
Q2 202577
Q3 202572
Q4 202573
Q1 202663
Q2 202669
Tier 1 leverage ratio
5.00%8.68%12.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.00%
Q3 202412.36%
Q4 202412.07%
Q1 202512.32%
Q2 202512.25%
Q3 202512.31%
Q4 202512.00%
Q1 202610.84%
Q2 202611.11%
Noncurrent loans
0.12%0.73%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.27%
Q4 20240.31%
Q1 20250.35%
Q2 20250.44%
Q3 20251.14%
Q4 20250.98%
Q1 20261.34%
Q2 20261.05%
Return on assets
1.24%1.49%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.36%
Q3 20241.61%
Q4 20241.59%
Q1 20251.75%
Q2 20251.52%
Q3 20251.64%
Q4 20251.60%
Q1 20261.24%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$457.4M11.11%1.05%1.53%84.1%
Q1 202663$455.2M10.84%1.34%1.24%85.4%
Q4 202573$454.0M12.00%0.98%1.60%87.6%
Q3 202572$449.0M12.31%1.14%1.64%90.7%
Q2 202577$433.3M12.25%0.44%1.52%92.3%
Q1 202579$409.7M12.32%0.35%1.75%99.2%
Q4 202479$418.0M12.07%0.31%1.59%89.5%
Q3 202480$417.2M12.36%0.27%1.61%90.0%
Q2 202479$412.1M12.00%0.12%1.36%88.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.11%
52nd
Total risk-based capital15.62%
71st
Problem loans1.05%
27th
Net charge-offs0.16%
15th
Return on assets1.53%
67th
Net interest margin4.55%
81st
Efficiency ratio67.0%
37th
Loans to deposits84.1%
40th
Uninsured deposits24.3%
49th
Loan-loss reserves1.29%
61st
Texas ratio7.9%
23rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Capital Bank of TexasBank Ennis, TX69 out of 100, Moderate$456.6M9.6%0.33%vs
The City National Bank of Colorado CityBank Colorado City, TX74 out of 100, Strong$452.4M11.0%0.26%vs
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs
The First National Bank of LivingstonBank Livingston, TX98 out of 100, Very strong$467.2M15.5%0.05%vs
MCBankBank Goldthwaite, TX55 out of 100, Moderate$467.2M10.0%2.57%vs
West Texas State BankBank Snyder, TX60 out of 100, Moderate$443.7M10.5%1.77%vs

Deposit insurance

Is my money safe at Shelby Savings Bank, SSB?

Yes. Shelby Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #32135). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.3% of deposits ($89.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.62% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Shelby Savings Bank, SSB lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Shelby Savings Bank, SSB reported 140 home-loan applications under HMDA (LEI 2549008XU46NWFIFUY72): 81 originated ($15,355,000 total), 12 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Shelby Savings Bank, SSB
Former names
Shelby County Savings Association
Type
SI
FDIC certificate #
32135
RSSD ID
552974
Primary regulator
FDIC
Holding company
Shelby Bancshares Inc
Established
January 1, 1979
Headquarters
111 Selma St, Center, TX 75935
Employees
105

Quick answers

Shelby Savings Bank, SSB: common questions

Is Shelby Savings Bank, SSB FDIC insured?

Yes. Shelby Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #32135). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Shelby Savings Bank, SSB's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Shelby Savings Bank, SSB ever failed?

There is no failure record for FDIC certificate #32135 in the FDIC failed bank list.

How many branches does Shelby Savings Bank, SSB have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Center

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Farmers State BankBank Center, TX89 out of 100, Very strong$391.5M14.4%0.59%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs
Doches Credit UnionCredit union Nacogdoches, TX74 out of 100, Strong$64.5M13.5%0.62%vs