Shelby Savings Bank SSB (FDIC #32135): Bank Stress & Real-Estate Credit Exposure
Shelby Savings Bank SSB (FDIC Cert #32135): bank stress 58/100, moderate, STABLE over 7 days; parent SHELBY BANCSHARES INC.
Shelby Savings Bank SSB (#32135) lends in 5 counties across 1 state; Shelby Savings Bank SSB (#32135) reaches 48 ZIP codes: Texas 5 counties, 48 ZIPs.
Shelby Savings Bank SSB (#32135) largest markets: Smith County, TX (23 branches, 23 ZIPs) (#32135), Anderson County, TX (12 branches, 12 ZIPs) (#32135), Shelby County, TX (14 branches, 7 ZIPs) (#32135), Sabine County, TX (6 branches, 6 ZIPs) (#32135), San Augustine County, TX (4 branches, 4 ZIPs) (#32135).
Shelby Savings Bank SSB (#32135) reports $457.4 million in total assets; Shelby Savings Bank SSB (#32135) equity $48.9 million (10.7% of Shelby Savings Bank SSB (#32135) assets); Shelby Savings Bank SSB (#32135) domestic deposits $367.3 million; Shelby Savings Bank SSB (#32135) net income $3.5 million; Shelby Savings Bank SSB (#32135) return on assets 1.53%; Shelby Savings Bank SSB (#32135) return on equity 14.42%; Shelby Savings Bank SSB (#32135) net interest income $9.6 million; Shelby Savings Bank SSB (#32135) call report June 30, 2026.
Shelby Savings Bank SSB (#32135) noncurrent real-estate loans 0.22% of its book; Shelby Savings Bank SSB (#32135) net charge-offs on real estate 1.39%.
Shelby Savings Bank SSB (#32135) net interest margin 4.55% against an eight-quarter Shelby Savings Bank SSB (#32135) average of 4.69% (Shelby Savings Bank SSB (#32135) compression 0.14 points); Shelby Savings Bank SSB (#32135) real-estate loans 21.8% of equity; Shelby Savings Bank SSB (#32135) rate-exposure score 40/100, Shelby Savings Bank SSB (#32135) fixed-rate trap 40/100; Shelby Savings Bank SSB (#32135) risk type credit driven; Shelby Savings Bank SSB (#32135) rate regime rates elevated, Shelby Savings Bank SSB (#32135) snapshot October 20, 2026.
Shelby Savings Bank SSB (#32135) stress score moved from 63 on June 22, 2026 to 57.5 on October 20, 2026; Shelby Savings Bank SSB (#32135) ranged 57.5 to 63 over 117 snapshots.
Shelby Savings Bank SSB (#32135) alerts: 5 counties; top Shelby Savings Bank SSB (#32135) alert scores: San Augustine County, TX 33 (low); Center County, TX 19 (low); Hemphill County, TX 19 (low); Lindale County, TX 19 (low); Palestine County, TX 19 (low).