Shelby Savings Bank, Ssb is a bank based in Center, Texas, established in 1979, with $455 million in total assets across 6 branches. By Trust Grade it ranks 114th of 349 banks we track in Texas. Its capital ratio of 10.4% is stronger than 53% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.24% return on assets. No consumer complaints against Shelby Savings Bank, Ssb appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Shelby Savings Bank, Ssb compares to Texas peers
How we graded Shelby Savings Bank, Ssb
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.4% capital ratio)
- Strongly profitable (ROA 1.24%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Shelby Savings Bank, Ssb over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 710 W Columbia St, San Augustine, TX 75972
- 103 Worth St, Hemphill, TX 75948
- 111 Selma St, Center, TX 75935
- 1110 Hurst St, Center, TX 75935
- 2805 S Loop 256, Palestine, TX 75801
- 2500 S Main St, Lindale, TX 75771
Are deposits at Shelby Savings Bank, Ssb insured?
Yes. Shelby Savings Bank, Ssb is an FDIC-insured bank (FDIC certificate #32135). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Shelby Savings Bank, Ssb: frequently asked questions
Is Shelby Savings Bank, Ssb a good bank?
Shelby Savings Bank, Ssb earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.4% capital ratio); Strongly profitable (ROA 1.24%).
Is Shelby Savings Bank, Ssb FDIC-insured?
Yes. Shelby Savings Bank, Ssb is a FDIC-insured bank (FDIC certificate #32135). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Shelby Savings Bank, Ssb?
Shelby Savings Bank, Ssb holds $455 million in total assets, ranking 114th of 349 banks we track in Texas. It operates 6 branches.
Does Shelby Savings Bank, Ssb have CFPB complaints?
No CFPB complaints against Shelby Savings Bank, Ssb appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
