SOUTHERN BANCSHARES INC is the bank holding company. SOUTHSTAR BANK, S.S.B. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SOUTHERN BANCSHARES INC

Legal name: SOUTHERN BANCSHARES, INC.

1 active bank · 2 merged/absorbed · $1.3B combined assets

RSSD ID: 1107184 (FFIEC NIC)

Combined Assets

$1.3B

CRA Rating Summary

Satisfactory1charter

Across all 29 exams on record for this holding company's charters, 93% resulted in Outstanding or Satisfactory.

Primary bankSOUTHSTAR BANK, S.S.B.MOULTON, TXSatisfactory$1.3BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.3B

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$1.1B

Net Income

$5M

ROA (avg)

1.54%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

216

Origination Rate

54.63%

Denial Rate

14.35%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTHSTAR BANK, S.S.B.	MOULTON, TX	FDIC	$1.3B	89.0%	Satisfactory	Feb 2026

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