Shelby Savings Bank, SSB
Center, TX
IDRSSD: 552974
Total Assets
$454.04M
Latest filing
Total Deposits
$359.56M
Latest filing
Net Interest Margin
4.63%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
313192647CENTER, TX
Key People
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Locations
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Main Office
Shelby Savings Bank, SSB
111 Selma St
Center, TX 75935
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1979FDIC Certificate 44969
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Shelby Savings Bank, SSB (Main) | 111 Selma St | Center, TX |
| SAN AUGUSTINE OFFICE | 710 W Columbia St | San Augustine, TX |
| HEMPHILL OFFICE | 103 Worth St | Hemphill, TX |
| CENTER NORTH BRANCH | 1110 Hurst St | Center, TX |
| SHELBY SAVINGS BANK, SSB PALESTINE OFFICE | 2805 S Loop 256 | Palestine, TX |
| SHELBY SAVINGS BANK, SSB BRANCH | 2500 S Main St | Lindale, TX |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75935 |
| State and County Number | 48419 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 105 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.shelbysavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 32135 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $454.04M |
| Total Deposits | $359.56M |
| Total Liabilities | $405.02M |
| Total Equity Capital | $49.01M |
| Net Income | $1.67M |
| Net Loans and Leases | $314.85M |
| Assets Per Employee ($Millions) | $4.41M |
| Bank Premises and Fixed Assets | $9.30M |
| Cash and Balances due from Depository Institutions | $78.89M |
| Deposits Held in Domestic Offices | $359.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 13.57% |
| Net Interest Margin | 4.63% |
| Efficiency Ratio | 70.14% |
| Tier 1 Risk-Based Capital Ratio | 14.947% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.795% |
| Earning Assets to total Assets | 93.34% |
Income and Expense
| Total Interest Income | $6.74M |
| Total Noninterest Income | $868.00k |
| Total Interest Expense | $1.86M |
| Total Noninterest Expense | $4.03M |
| Net Interest Income | $4.88M |
| Pre-tax Net Operating Income | $1.66M |
| Provision for Credit Losses | $53.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $122.00k |
| Other borrowed funds | $43.26M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.20M |
| Total Liabilities and Capital | $454.04M |
Securities
| Securities | $36.44M |
| Available-for-sale debt securities | $36.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Shelby Savings Bank, SSB?
$454.04M as of the latest filing.
How much are Shelby Savings Bank, SSB's total deposits?
$359.56M in total deposits.
Where is Shelby Savings Bank, SSB located?
Center, TX.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1979.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$314.85M (latest filing).
What is the total interest income (latest filing)?
$6.74M.