SouthStar Bank, S.S.B.

Overview / Commentary

361-596-4611

100 South Main Street
Moulton, TX 77975

SouthStar Bank, S.S.B. is headquartered in MOULTON and is the 83^rd largest bank in the state of Texas. It is also the 878^th largest bank in the nation. It was established in 1920 and as of March of 2023, it had grown to 154 employees at 16 locations. SouthStar Bank, S.S.B.'s money market rates are 10X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	12299
Year Established	1920
Employees	154
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.43%
Return on Equity - YTD	13.58%
Annual Interest Income	$14.6MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.16B$1.17B
Loans	Q1 2023vs Q1 2022	$850.5MM$794.8MM
Deposits	Q1 2023vs Q1 2022	$890.7MM$999.2MM
Equity Capital	Q1 2023vs Q1 2022	$122.2MM$115.7MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$6.5MM$6.4MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$865.00K$445.00K
Real Estate Owned	Q1 2023vs Q1 2022	$0$2.0MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SouthStar Bank, S.S.B. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%^*	$200k^*	-	IRA Savings Account
OTHER TIERS: 2.02% → $100 - $100k \| 3.03% → $100k - $200k
4.06%^*	$200k^*	-	Checkbook IRA Account
OTHER TIERS: 2.02% → $100 - $100k \| 3.03% → $100k - $200k
2.53%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 1.00% → $2.5k - $50k
1.00%	$100	-	Shooting Star Savings Account
0.45%^*	$150k^*	-	Savings Accounts
OTHER TIERS: 0.35% → $100 - $150k
0.45%^*	$150k^*	-	Commercial Savings
OTHER TIERS: 0.35% → $100 - $150k

SouthStar Bank, S.S.B. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.33%^*	$5m^*	-	Texas Size Money market (New Money)
OTHER TIERS: 0.70% → $1k - $100k \| 0.85% → $100k - $250k \| 1.00% → $250k - $2.5m \| 4.07% → $2.5m - $5m
1.00%^*	$100k^*	-	Money Market Accounts
OTHER TIERS: 0.70% → $1k - $10k \| 0.85% → $10k - $100k
1.00%^*	$250k^*	-	Commercial Money Market Account
OTHER TIERS: 0.70% → $1k - $100k \| 0.85% → $100k - $250k

SouthStar Bank, S.S.B. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	Gold Star Checking
0.10%	$5k	-	Commercial Interest Checking
0.10%	$5k	-	Non-Profit Interest Checking

SouthStar Bank, S.S.B. CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$1k	-	6 Month CD
4.32%	$1k	-	9 Month CD
3.55%^*	$100k^*	-	5 Year CD
OTHER TIERS: 3.44% → $1k - $100k
3.55%	$1k	-	2.5 Year CD
3.39%^*	$100k^*	-	13 Month CD
OTHER TIERS: 3.29% → $1k - $100k
3.39%^*	$100k^*	-	18 Month CD
OTHER TIERS: 3.29% → $1k - $100k
3.34%^*	$100k^*	-	1 Year CD
OTHER TIERS: 3.24% → $1k - $100k
3.29%^*	$100k^*	-	4 Year CD
OTHER TIERS: 3.19% → $1k - $100k
3.24%^*	$100k^*	-	2 Year CD
OTHER TIERS: 3.14% → $1k - $100k
3.19%^*	$100k^*	-	3 Year CD
OTHER TIERS: 3.09% → $1k - $100k

SouthStar Bank, S.S.B. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$1k	-	6 Month IRA
4.32%	$1k	-	9 Month IRA
3.55%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 3.44% → $1k - $100k
3.34%^*	$100k^*	-	1 Year IRA
OTHER TIERS: 3.24% → $1k - $100k
3.29%^*	$100k^*	-	4 Year IRA
OTHER TIERS: 3.19% → $1k - $100k
3.24%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 3.14% → $1k - $100k
3.19%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 3.09% → $1k - $100k

Locations

Availability

Dallas Area

Dallas Area bank & credit union details

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