BlastPoint's Banking Scorecard
SouthStar Bank, S.S.B.
Designations: ✓ Community bank
Moulton, TX
16 branches across TX
SouthStar Bank, S.S.B. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + ROA 0.18% above tier average
- + Efficiency Ratio 3.02% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 37.4% in tier
- - Delinquency Rate 0.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.8% YoY
+3.8% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$962.5M
+5.0% YoY
-2.5% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$1.1B
+5.8% YoY
+4.3% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.54%
+0.7% YoY
-3.0% QoQ
|
+0.18% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.62%
+0.5% YoY
-2.7% QoQ
|
+0.80% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
58.04%
+1.2% YoY
+2.0% QoQ
|
-3.02% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
1.19%
+362.2% YoY
+51.0% QoQ
|
+0.30% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
88.15%
-0.8% YoY
-6.5% QoQ
|
+3.95% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
21.38%
-0.9% YoY
-7.9% QoQ
|
+0.09% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.37%
+189.6% YoY
+47.9% QoQ
|
+0.70% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.1% in tier |
| Tier 1 Capital Ratio ? |
18.49%
+1.0% YoY
+1.8% QoQ
|
+3.33% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 10.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
+18.4% YoY
-73.8% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
24% |
Get Full Access to SouthStar Bank, S.S.B.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.