BlastPoint's Banking Scorecard
Shelby Savings Bank, SSB
Center, TX
6 branches across TX
Shelby Savings Bank, SSB has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 25.6% in tier
- - Cost Spiral: Bottom 85.7% in tier
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$455.2M
+11.1% YoY
+0.3% QoQ
|
+$69.2M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$311.9M
-1.1% YoY
-0.9% QoQ
|
+$56.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$365.4M
+14.9% YoY
+1.6% QoQ
|
+$37.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.24%
-29.0% YoY
-22.6% QoQ
|
-0.03% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
4.35%
-10.2% YoY
-9.2% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
70.91%
+12.8% YoY
+8.3% QoQ
|
+5.62% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
1.35%
+285.4% YoY
+36.5% QoQ
|
+0.47% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
85.36%
-13.9% YoY
-2.5% QoQ
|
+8.72% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
24.95%
-8.6% YoY
+0.8% QoQ
|
+2.93% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.95%
+252.9% YoY
+33.6% QoQ
|
+0.32% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.21%
-3.1% YoY
-4.5% QoQ
|
-1.62% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.18%
-32.1% YoY
-77.5% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.