SouthStar Bank, S.S.B.: how it compares with its peers
Against 88 TX banks with half to twice its assets, SouthStar Bank, S.S.B.'s strongest measure in Q2 2026 is net interest margin (4.63% vs. a 4.16% peer median). Its weakest relative measure is assets per employee ($8.2M vs. $8.3M).
| Measure | SouthStar Bank, S.S.B. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.54% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.63% | 4.16% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.95% | 57.99% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $8.3M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.94% | 79.74% | Context |
What it means for lending operations
Its efficiency ratio of 57.95% is better than the 57.99% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
- Texas Security Bank Dallas, TX · $1.38B
- Wallis Bank Wallis, TX · $1.38B
- Alliance Bank Sulphur Springs, TX · $1.39B
- Southwestern National Bank Houston, TX · $1.39B
- Central Bank Houston, TX · $1.42B
Questions about SouthStar Bank, S.S.B.
How big is SouthStar Bank, S.S.B.?
SouthStar Bank, S.S.B., established in 1920, is headquartered in Moulton, TX. It reported $1.37B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is SouthStar Bank, S.S.B.'s return on assets?
1.55% annualized in Q2 2026, against a 1.54% median for 88 TX banks with half to twice its assets, ahead of 51% of them.
What is SouthStar Bank, S.S.B.'s efficiency ratio?
57.95% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.99%, and lower is better.
Is SouthStar Bank, S.S.B. growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits grew 9.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.