Is Shelby Savings Bank SSB Safe?
Shelby Savings Bank SSB has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (74/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.48% | 100/100 |
| Nonperforming Loan Ratio | 0.12% | 98/100 |
| Liquidity Ratio | 25.24% | 81/100 |
| Return on Assets | 1.36% | 74/100 |
| Total Assets | $0.4B | |
How does Shelby Savings Bank SSB compare?
With a Bank Health Score of 92/100, Shelby Savings Bank SSB sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Shelby Savings Bank SSB ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.48% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.12% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Shelby Savings Bank SSB's Bank Health Score improved by 2.0 points to 92/100. Tier 1 capital strengthened by 0.55 percentage points to 15.48%. Quarter-over-quarter, the score rose by 1.0 points.
Shelby Savings Bank SSB has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (74/100).