BlastPoint's Banking Scorecard
SouthStar Bank, S.S.B.
Community
Specialty: Commercial
TX
FDIC cert 12299
Moulton, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
SouthStar Bank, S.S.B. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.08% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.5% YoY
-0.2% QoQ
|
-$103.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$987.0M
+10.7% YoY
+3.1% QoQ
|
+$11.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.0B
+13.1% YoY
-0.4% QoQ
|
-$118.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.59%
+13.3% YoY
+1.2% QoQ
|
+0.43% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.75%
+6.6% YoY
+0.9% QoQ
|
+1.08% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
56.90%
-4.9% YoY
-0.0% QoQ
|
-5.73% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.79%
+437.1% YoY
+3.1% QoQ
|
+0.16% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
94.32%
-2.1% YoY
+3.5% QoQ
|
+11.25% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
23.22%
-6.7% YoY
-3.0% QoQ
|
+2.18% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.93%
+134.2% YoY
+2.4% QoQ
|
+0.43% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
18.17%
-2.8% YoY
+0.0% QoQ
|
+7.92% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.32%
-1.5% YoY
+37.4% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.75%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Liquidity Overhang
risk
#68 of 268 · Bottom 25% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.17%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
94.32%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.66%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 10.24%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
67
67th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
67
67th pctile
Total Loans
Current: $987.0M · Tier avg: $975.5M
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.22% · Tier avg: 21.05%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
32
32th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 83.06%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
Top Weaknesses
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 83.06%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
32
32th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.63%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.22% · Tier avg: 21.05%
67
67th pctile
Total Loans
Current: $987.0M · Tier avg: $975.5M
67
67th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 10.24%
92
92th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.66%