Side-by-side · Q2 2026 data
Southside Bank vs Shelby Savings Bank, SSB
Metric by metric
| Measure | Southside Bank | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 64 (stronger) | 61 |
| Loan quality | 94 (stronger) | 65 |
| Earnings | 74 | 81 (stronger) |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 77th | 40th |
| Total assets | $8.8B | $457.4M |
| Deposits / shares | $6.2B | $367.3M |
| Capital ratio | 11.43% (stronger) | 11.11% |
| Problem loans | 0.19% (stronger) | 1.05% |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 1.35% | 1.53% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 84.1% |
| Uninsured deposits | 42.8% | 24.3% (stronger) |
| Offices | 55 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.2% | 10.5% |
Southside Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Southside Bank leads on 5 and Shelby Savings Bank, SSB on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lindale, TX
- Hemphill, TX
- Palestine, TX
- San Augustine, TX