SouthStar Bank, S.S.B. (FDIC certificate #12299) is based in Moulton, Texas. Its Q2 2026 call report shows $1.4B in total assets and $1.1B in deposits and 16 offices.
SouthStar Bank, S.S.B. has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 127th. Problem-loan coverage contributes the most (87/100, 6.7%); funding & liquidity contributes the least (47/100, 92% loans-to-deposits, 34% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (75 → 77), mostly because the capital cushion component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 72 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.41% |
| Q3 2024 | 12.79% |
| Q4 2024 | 13.12% |
| Q1 2025 | 13.04% |
| Q2 2025 | 12.82% |
| Q3 2025 | 13.06% |
| Q4 2025 | 13.19% |
| Q1 2026 | 13.27% |
| Q2 2026 | 13.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.78% |
| Q1 2026 | 1.18% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.57% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $1.4B | 13.28% | 0.62% | 1.55% | 91.9% |
| Q1 2026 | 72 | $1.3B | 13.27% | 1.18% | 1.54% | 88.2% |
| Q4 2025 | 76 | $1.3B | 13.19% | 0.78% | 1.59% | 94.3% |
| Q3 2025 | 76 | $1.3B | 13.06% | 0.76% | 1.57% | 91.1% |
| Q2 2025 | 75 | $1.3B | 12.82% | 0.72% | 1.54% | 93.3% |
| Q1 2025 | 80 | $1.3B | 13.04% | 0.25% | 1.53% | 88.9% |
| Q4 2024 | 80 | $1.2B | 13.12% | 0.15% | 1.40% | 96.4% |
| Q3 2024 | 78 | $1.2B | 12.79% | 0.21% | 1.41% | 99.1% |
| Q2 2024 | 77 | $1.2B | 12.41% | 0.16% | 1.37% | 102.6% |
897 peers · $1 billion – $10 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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Texas Security BankBank Dallas, TX | 63 out of 100, Moderate | $1.4B | 9.6% | 0.41% | vs |
| Wallis BankBank Wallis, TX | 58 out of 100, Moderate | $1.4B | 10.1% | 1.43% | vs |
| Alliance BankBank Sulphur Springs, TX | 68 out of 100, Moderate | $1.4B | 10.4% | 0.55% | vs |
| Southwestern National BankBank Houston, TX | 73 out of 100, Strong | $1.4B | 12.4% | 0.42% | vs |
| Central BankBank Houston, TX | 70 out of 100, Strong | $1.4B | 10.1% | 0.54% | vs |
Deposit insurance
Is my money safe at SouthStar Bank, S.S.B.?
Yes. SouthStar Bank, S.S.B. is an FDIC-insured institution (FDIC certificate #12299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.2% of deposits ($384.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
16 locations
Branches
SouthStar Bank, S.S.B. lists 16 offices in 15 cities. Most locations:
- Austin, TX (2)
- Bee Cave, TX (1)
- Brazoria, TX (1)
- Bremond, TX (1)
- Calvert, TX (1)
- Franklin, TX (1)
- Georgetown, TX (1)
- Gonzales, TX (1)
- Harker Heights, TX (1)
- Hearne, TX (1)
- Kerrville, TX (1)
- Leander, TX (1)
HMDA 2025
Mortgage lending
In 2025, SouthStar Bank, S.S.B. reported 246 home-loan applications under HMDA (LEI 549300C1YZ5ZORJBI935): 142 originated ($73,260,000 total), 40 denied, and 60 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.5%, 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
- SouthStar Bank, S.S.B.
- Former names
- First State Bank; Lone Star Bank, S.S.B.; Lone Star Bank; Moulton State Bank; Farmers & Merchants State Bank
- Type
- SI
- FDIC certificate #
- 12299
- RSSD ID
- 171768
- Primary regulator
- FDIC
- Holding company
- Southern Bancshares Inc
- Established
- November 6, 1920
- Headquarters
- 100 S Main St, Moulton, TX 77975
- Website
- www.southstarbank.com
- Employees
- 168
Quick answers
SouthStar Bank, S.S.B.: common questions
Is SouthStar Bank, S.S.B. FDIC insured?
Yes. SouthStar Bank, S.S.B. is an FDIC-insured institution (FDIC certificate #12299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SouthStar Bank, S.S.B.'s TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SouthStar Bank, S.S.B. ever failed?
There is no failure record for FDIC certificate #12299 in the FDIC failed bank list.
How many branches does SouthStar Bank, S.S.B. have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Moulton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Columbus State BankBank Columbus, TX | 86 out of 100, Very strong | $326.5M | 14.5% | 0.00% | vs |
| Fayette Savings Bank, SSBBank La Grange, TX | 81 out of 100, Strong | $551.8M | 11.0% | 0.01% | vs |
| Sage Capital Bank,Bank Gonzales, TX | 76 out of 100, Strong | $768.9M | 10.4% | 0.01% | vs |
| Randolph-Brooks Federal Credit UnionCredit union Universal City, TX | 76 out of 100, Strong | $19.6B | 13.4% | 1.27% | vs |
| Peoples State Bank of HallettsvilleBank Hallettsville, TX | 73 out of 100, Strong | $395.6M | 10.1% | 0.18% | vs |
| Yoakum BankBank Yoakum, TX | 73 out of 100, Strong | $385.8M | 9.4% | 0.19% | vs |