SouthStar Bank, S.S.B.
Moulton, TX
IDRSSD: 171768
Total Assets
$1.29B
Latest filing
Total Deposits
$1.05B
Latest filing
Net Interest Margin
4.86%
Profitability
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 | 11/06/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77975 |
| State and County Number | 48285 |
| Subchapter S Corporations | No |
| 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 | 155 |
| Domestic Offices | 16 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.southstarbank.com |
| Data Updated | 11/14/2025 |
| CERT | 12299 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.29B |
| Total Deposits | $1.05B |
| Total Liabilities | $1.13B |
| Total Equity Capital | $160.48M |
| Net Income | $5.24M |
| Net Loans and Leases | $957.36M |
| Assets Per Employee ($Millions) | $8.38M |
| Bank Premises and Fixed Assets | $38.78M |
| Cash and Balances due from Depository Institutions | $108.77M |
| Deposits Held in Domestic Offices | $1.05B |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 13.33% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 56.33% |
| Tier 1 Risk-Based Capital Ratio | 18.157% |
| 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 | 12.431% |
| Earning Assets to total Assets | 94.56% |
Income and Expense
| Total Interest Income | $20.57M |
| Total Noninterest Income | $1.04M |
| Total Interest Expense | $5.92M |
| Total Noninterest Expense | $8.93M |
| Net Interest Income | $14.65M |
| Pre-tax Net Operating Income | $6.62M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $4.40M |
| Other borrowed funds | $73.16M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.90M |
| Total Liabilities and Capital | $1.29B |
Securities
| Securities | $165.48M |
| Available-for-sale debt securities | $165.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of SouthStar Bank, S.S.B.?
$1.29B as of the latest filing.
How much are SouthStar Bank, S.S.B.'s total deposits?
$1.05B in total deposits.
Where is SouthStar Bank, S.S.B. located?
Moulton, TX.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
16.
When was it established?
11/06/1920.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$957.36M (latest filing).
What is the total interest income (latest filing)?
$20.57M.