bank

Southstar Bank, S.S.B.

Moulton, TX · Est. 1920 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Southstar Bank, S.S.B. is a bank based in Moulton, Texas, established in 1920, with $1.3 billion in total assets across 16 branches. By Trust Grade it ranks 16th of 349 banks we track in Texas. Its capital ratio of 12.5% is stronger than 81% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.54% return on assets. No consumer complaints against Southstar Bank, S.S.B. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.3B
$1B–10B institution
Deposits
$1.1B
Branches
16
Capital ratio
12.5%
Top 19% of $1B–10B peers · Texas median 10.9%
Return on assets
1.5%
Top 27% of $1B–10B peers · Texas median 1.38%
Rank in Texas
#16
of 349 banks

How Southstar Bank, S.S.B. compares to Texas peers

Capital ratio
Top 19% of $1B–10B peers
Southstar Bank,
12.5%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 27% of $1B–10B peers
Southstar Bank,
1.5%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Southstar Bank, S.S.B.

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.5% capital ratio)
  • Strongly profitable (ROA 1.54%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Southstar Bank, S.S.B. over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (16)

  • 301 S Brooks St, Brazoria, TX 77422
  • 702 W Us Highway 79, Franklin, TX 77856
  • 203 N Avenue E, Shiner, TX 77984
  • 1308 S Market St, Hearne, TX 77859
  • 1609 N Sarah Dewitt Dr, Gonzales, TX 78629
  • 905 E Fm 2410 Rd, Harker Heights, TX 76548
  • 10737 E Crystal Falls Pkwy, Leander, TX 78641
  • 10901 W Highway 290, Austin, TX 78736
  • 3490 Ranch Road 620 S, Bee Cave, TX 78738
  • 1101 Junction Hwy, Kerrville, TX 78028
  • 3025 Fm 1431, Round Rock, TX 78681
  • 5925 Steiner Ranch Blvd, Austin, TX 78732
  • 4535 Williams Dr, Georgetown, TX 78633
  • 100 S Main St, Moulton, TX 77975
  • 109 N Commerce St, Bremond, TX 76629
  • 100 S Main St, Calvert, TX 77837

Are deposits at Southstar Bank, S.S.B. insured?

Yes. Southstar Bank, S.S.B. is an FDIC-insured bank (FDIC certificate #12299). 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.

Southstar Bank, S.S.B.: frequently asked questions

Is Southstar Bank, S.S.B. a good bank?

Southstar Bank, S.S.B. 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 (12.5% capital ratio); Strongly profitable (ROA 1.54%).

Is Southstar Bank, S.S.B. FDIC-insured?

Yes. Southstar Bank, S.S.B. is a FDIC-insured bank (FDIC certificate #12299). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Southstar Bank, S.S.B.?

Southstar Bank, S.S.B. holds $1.3 billion in total assets, ranking 16th of 349 banks we track in Texas. It operates 16 branches.

Does Southstar Bank, S.S.B. have CFPB complaints?

No CFPB complaints against Southstar Bank, S.S.B. appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

First Texas Bank
bank · Georgetown, TX · $1.3B assets
Central Bank
bank · Houston, TX · $1.3B assets
Alliance Bank Central Texas
bank · Woodway, TX · $1.3B assets
Alliance Bank
bank · Sulphur Springs, TX · $1.4B assets
Texas Security Bank
bank · Dallas, TX · $1.4B assets
The City National Bank Of Sulphur Springs
bank · Sulphur Springs, TX · $1.4B assets

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.

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