Southstar Bank SSB (FDIC #12299): Bank Stress & Real-Estate Credit Exposure
Southstar Bank SSB (FDIC Cert #12299): bank stress 51/100, moderate, STABLE over 7 days; parent SOUTHERN BANCSHARES INC.
Southstar Bank SSB (#12299) lends in 8 counties across 1 state; Southstar Bank SSB (#12299) reaches 162 ZIP codes: Texas 8 counties, 162 ZIPs.
Southstar Bank SSB (#12299) largest markets: Travis County, TX (189 branches, 63 ZIPs) (#12299), Williamson County, TX (81 branches, 27 ZIPs) (#12299), Bell County, TX (23 branches, 23 ZIPs) (#12299), Brazoria County, TX (21 branches, 21 ZIPs) (#12299), Gonzales County, TX (15 branches, 15 ZIPs) (#12299), Kerr County, TX (11 branches, 11 ZIPs) (#12299).
Southstar Bank SSB (#12299) reports $1.37 billion in total assets; Southstar Bank SSB (#12299) equity $170.8 million (12.5% of Southstar Bank SSB (#12299) assets); Southstar Bank SSB (#12299) domestic deposits $1.13 billion; Southstar Bank SSB (#12299) net income $10.3 million; Southstar Bank SSB (#12299) return on assets 1.55%; Southstar Bank SSB (#12299) return on equity 12.33%; Southstar Bank SSB (#12299) net interest income $29.2 million; Southstar Bank SSB (#12299) call report June 30, 2026.
Southstar Bank SSB (#12299) noncurrent real-estate loans 0.10% of its book; Southstar Bank SSB (#12299) residential 0.41%; Southstar Bank SSB (#12299) net charge-offs on real estate 0.84%; Southstar Bank SSB (#12299) multifamily charge-offs 16.77%; Southstar Bank SSB (#12299) residential charge-offs 2.17%.
Southstar Bank SSB (#12299) net interest margin 4.63% against an eight-quarter Southstar Bank SSB (#12299) average of 4.59% (Southstar Bank SSB (#12299) compression -0.04 points); Southstar Bank SSB (#12299) real-estate loans 10.4% of equity; Southstar Bank SSB (#12299) non-residential real estate 217.0% of equity; Southstar Bank SSB (#12299) rate-exposure score 40/100, Southstar Bank SSB (#12299) fixed-rate trap 40/100; Southstar Bank SSB (#12299) risk type credit driven; Southstar Bank SSB (#12299) rate regime rates elevated, Southstar Bank SSB (#12299) snapshot October 20, 2026.
Southstar Bank SSB (#12299) stress score moved from 49.4 on June 22, 2026 to 50.8 on October 20, 2026; Southstar Bank SSB (#12299) ranged 49.4 to 50.8 over 117 snapshots.
Southstar Bank SSB (#12299) alerts: 8 counties; top Southstar Bank SSB (#12299) alert scores: Brazoria County, TX 34 (low); Austin County, TX 17 (low); Gonzales County, TX 17 (low); Harker Heights County, TX 17 (low); Hearne County, TX 17 (low).