BlastPoint's Banking Scorecard

Shelby Savings Bank, SSB

$100M-$1B Specialty: Agricultural TX FDIC cert 32135

Center, TX

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +8.2% year over year ($367.3M on the books).
Delinquency rate 1.06%.
Return on assets 1.53%.
Efficiency ratio 67.02% vs a 64.48% peer average.
Loan-to-deposit ratio 84.13% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Shelby Savings Bank, SSB has 3 strengths but faces 2 concerns

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

+ Revenue Diversifier: Top 47.0% in tier
+ ROA 0.21% above tier average
+ Net Interest Margin 0.56% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 2.54% above tier average
- Delinquency Rate 0.14% above tier average

Get updates when Shelby Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$457.4M +5.6% YoY +0.5% QoQ	+$70.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$309.0M -1.4% YoY -0.9% QoQ	+$50.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$367.3M +8.2% YoY +0.5% QoQ	+$40.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.53% +0.8% YoY +23.4% QoQ	+0.21%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	4.55% -6.5% YoY +4.6% QoQ	+0.56%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	67.02% +5.6% YoY -5.5% QoQ	+2.54%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	1.06% +137.7% YoY -21.7% QoQ	+0.14%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	84.13% -8.8% YoY -1.4% QoQ	+6.18%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	22.66% -15.7% YoY -9.2% QoQ	+0.63%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.91% +183.2% YoY -4.3% QoQ	+0.24%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	14.46% -2.2% YoY +1.8% QoQ	-1.44%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.46% +4.4% YoY +158.5% QoQ	-0.10%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 10.7% in tier

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	22.7% -4.2pp YoY -2.3pp QoQ	+0.5pp	22.1%	29.2%	22.2%	57%
Brokered Deposits	1.4% -0.1pp YoY 0.0pp QoQ	-6.5pp	7.9%	8.0%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	19.7% +1.5pp YoY +0.5pp QoQ	+8.2pp	11.6%	14.8%	12.5%	88%
CRE	20.3% +4.2pp YoY +1.5pp QoQ	-19.2pp	39.5%	48.4%	41.4%	19%
1-4 Family	16.8% -0.1pp YoY +0.1pp QoQ	-15.8pp	32.6%	25.8%	31.3%	23%
Consumer	5.5% -0.4pp YoY -0.2pp QoQ	+1.4pp	4.1%	4.7%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.5% -0.3pp YoY +0.2pp QoQ	-4.4pp	18.8%	22.7%	19.7%	44%
Leverage Ratio	11.1% -1.1pp YoY +0.3pp QoQ	-1.1pp	12.2%	12.6%	12.6%	52%
Total Capital Ratio	15.6% -0.4pp YoY +0.2pp QoQ	-4.3pp	19.9%	23.8%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	105 +4 (+4.0%) YoY +4 (+4.0%) QoQ	+46	58	186	482	88%
Assets per Employee ($)	$4.4M +1.6% YoY -3.3% QoQ	-$3.2M	$7.5M	$10.1M	$8.8M	7%
Branch Count	6 0 YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.3%	0.4%	72%
Nonaccrual	0.8% +0.6pp YoY -0.4pp QoQ	-0.1pp	0.9%	1.0%	1.0%	66%
Allowance Coverage	1.23x -58.6% YoY +29.0% QoQ	-22.92x	24.15x	18.82x	20.23x	33%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	14.4% +0.7pp YoY +2.7pp QoQ	+2.2pp	12.2%	13.2%	11.6%	64%
Cost of Funds (YTD)	1.7% +0.1pp YoY -0.1pp QoQ	0.0pp	1.7%	1.6%	1.7%	52%
Net Income ($, YTD)	$3.5M +9.2% YoY — QoQ	+$931K	$2.6M	$15.9M	$40.4M	75%

Get Full Access to Shelby Savings Bank, SSB

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (1)

Revenue Diversifier

growth

#312 of 661 • Top 47.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.46%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.53%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

283

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.57%

#283 of 2643 Top 10.7% in $100M-$1B

494

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.99%

#494 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (1 metrics)

2050

Nonperforming Asset Ratio

credit_quality

Value: 0.91%

Peer Median: 0.67%

#2050 of 2643 Bottom 22.5% in $100M-$1B