SHELBY BANCSHARES INC is the parent banking group. SHELBY SAVINGS BANK, SSB is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

SHELBY BANCSHARES INC

Legal name: SHELBY BANCSHARES, INC.

1 active bank · $455M combined assets

RSSD ID: 2960630 (FFIEC NIC)

Combined Assets

$455M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSHELBY SAVINGS BANK, SSBCENTER, TXSatisfactory$455MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$455M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$365M

Net Income

$1M

ROA (avg)

1.24%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

146

Origination Rate

39.04%

Denial Rate

20.55%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SHELBY SAVINGS BANK, SSB	CENTER, TX	FDIC	$455M	100.0%	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.