SouthStar Bank, S.S.B.
Moulton, Texas, Lavaca County
$1.4B in total assets, the 823rd largest of 4,309 US banks and 74th of 352 headquartered in Texas.
- FDIC certificate
- 12299
- Established
- 1920
- Owned by
- Southern Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.southstarbank.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 22% | $2.2B | |
| Loans | $1.0B | 34% | $1.3B | |
| Deposits | $1.1B | 21% | $1.8B | |
| Return on assets | 1.59% | 58% | 1.53% | |
| Net interest margin | 4.63% | 80% | 3.95% | |
| Efficiency ratio | 57.9% | 53% | 57.5% | |
| Equity to assets | 12.47% | 75% | 10.59% | |
| Loans to deposits | 93% | 83% | 80% |
Growth
Total assets grew 5.2% a year over the last 5 years and 6.4% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2015 | First Star Bank, S.S.B. Bremond, TX, an affiliate under the same holding company | $264M |
| Jan 2015 | Texas Star Bank, SSB Lott, TX, an affiliate under the same holding company | $118M |
| Jul 1987 | Bank of Brazoria Brazoria, TX | $24M |
Where they operate
16 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Robertson County, TX | $313M | 55.1% | 1 of 5 |
| Lavaca County, TX | $267M | 27.2% | 2 of 8 |
| Travis County, TX | $182M | 0.4% | 28 of 56 |
| Williamson County, TX | $140M | 1.1% | 19 of 39 |
| Gonzales County, TX | $86M | 11.9% | 3 of 6 |
| Brazoria County, TX | $64M | 1.0% | 20 of 27 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (14 to 16, +14.3%). 4 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 14 | |||
| 2016 | Opened Round Rock | 1 | 0 | +1 | 15 |
| 2017 | Sold 2 branches to The First National Bank of Hughes SpringsOpened Austin | 1 | 2 | −1 | 14 |
| 2018 | Opened Georgetown | 1 | 0 | +1 | 15 |
| 2022 | Opened Kerrville | 1 | 0 | +1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 30% | 20% | |
| Construction and land | 19% | 13% | |
| Commercial real estate | 17% | 39% | |
| Farmland | 6% | 3% | |
| Business (C&I) | 2% | 15% | |
| Consumer | 0% | 2% | |
| Multifamily | 0% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 24% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 39% | 26% | |
| Other interest-bearing | 39% | 48% | |
| Noninterest-bearing | 22% | 26% |
Brokered deposits are 0.1% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.62% | 0.42% |
| Net charge-offs, annualized | 0.07% | 0.04% |
| Reserves to loans | 0.72% | 1.20% |
| Leverage ratio | 13.28% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Robertson County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/southstar-s-s-b