BlastPoint's Banking Scorecard

SouthStar Bank, S.S.B.

$1B-$10B Specialty: Commercial TX FDIC cert 12299

Designations: ✓ Community bank

Moulton, TX

16 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +9.2% year over year ($1.1B on the books).
Delinquency rate 0.63%.
Return on assets 1.55%.
Efficiency ratio 57.95% vs a 59.73% peer average.
Loan-to-deposit ratio 91.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

SouthStar Bank, S.S.B. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.76% above tier average
+ ROA 0.16% above tier average
+ Efficiency Ratio 1.78% below tier average
+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.6% in tier

Get updates when SouthStar Bank, S.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.4B +8.3% YoY +2.5% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$1.0B +7.7% YoY +7.5% QoQ	-$928.3M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$1.1B +9.2% YoY +3.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	1.55% +0.9% YoY +0.5% QoQ	+0.16%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	4.63% +0.2% YoY +0.3% QoQ	+0.76%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 9.9% in tier
Efficiency Ratio ?	57.95% +1.3% YoY -0.2% QoQ	-1.78%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.63% -13.5% YoY -47.0% QoQ	-0.24%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	91.94% -1.4% YoY +4.3% QoQ	+6.91%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	21.71% -6.8% YoY +1.5% QoQ	+0.44%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.88% +0.3% YoY -36.1% QoQ	+0.20%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	13.28% -25.7% YoY -28.1% QoQ	-1.56%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.18% +17.4% YoY +116.5% QoQ	-0.35%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	21.7% -1.6pp YoY +0.3pp QoQ	+0.3pp	21.4%	29.2%	22.2%	59%
Brokered Deposits	0.1% -0.1pp YoY 0.0pp QoQ	-9.4pp	9.5%	8.0%	8.5%	5%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	1.6% -0.3pp YoY 0.0pp QoQ	-12.4pp	14.0%	14.8%	12.5%	4%
CRE	37.0% +1.1pp YoY +0.7pp QoQ	-13.0pp	50.0%	48.4%	41.4%	19%
1-4 Family	30.4% -5.3pp YoY -3.5pp QoQ	+4.0pp	26.4%	25.8%	31.3%	67%
Consumer	0.5% 0.0pp YoY -0.1pp QoQ	-4.2pp	4.7%	4.7%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	13.3% +0.5pp YoY 0.0pp QoQ	+2.0pp	11.3%	12.6%	12.6%	87%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	168 +13 (+8.4%) YoY +4 (+2.4%) QoQ	-146	313	186	482	30%
Assets per Employee ($)	$8.2M -0.1% YoY 0.0% QoQ	-$2.3M	$10.5M	$10.1M	$8.8M	42%
Branch Count	16 0 YoY 0 QoQ	-4	20	12	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.2%	0.3%	0.4%	88%
Nonaccrual	0.4% -0.3pp YoY -0.6pp QoQ	-0.4pp	0.8%	1.0%	1.0%	41%
Allowance Coverage	1.15x +6.3% YoY +75.8% QoQ	-17.56x	18.71x	18.82x	20.23x	28%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.3% -0.3pp YoY +0.1pp QoQ	-0.3pp	12.6%	13.2%	11.6%	51%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	45%
Net Income ($, YTD)	$10.3M +8.8% YoY — QoQ	-$8.9M	$19.2M	$15.9M	$40.4M	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#115 of 361 • Bottom 31.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.94%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.87%

#89 of 885 Top 9.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available