This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Moulton, TX
Health score
91.3
Total assets
$1.4B
Bank
Sulphur Springs, TX
Health score
89.2
Total assets
$1.4B
Answer first
SouthStar Bank, S.S.B. leads on financial health and capitalization and growth; The City National Bank of Sulphur Springs leads on profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
SouthStar Bank, S.S.B.
Higher TFS health score
Capitalization
SouthStar Bank, S.S.B.
Higher comparable capital ratio
Profitability
The City National Bank of Sulphur Springs
Higher return on assets
Lending quality
The City National Bank of Sulphur Springs
Lower problem-loan measure
Growth
SouthStar Bank, S.S.B.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | SouthStar Bank, S.S.B. | The City National Bank of Sulphur Springs |
|---|---|---|
| TFS health score | 91.3/100Leads | 89.2/100 |
| Total assets | $1.4B | $1.4B |
| Total deposits / shares | $1.1B | $1.2B |
| Tier 1 capital ratio | 13.28%Leads | 9.78% |
| Return on assets | 1.55% | 2.28%Leads |
| Return on equity | 12.33% | 23.56% |
SouthStar Bank, S.S.B.
16 branches
The City National Bank of Sulphur Springs
17 branches
Both institutions report branches in 1 state: TX.
SouthStar Bank, S.S.B.
Unavailable
The City National Bank of Sulphur Springs
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
SouthStar Bank, S.S.B.
0 in TFS registry
The City National Bank of Sulphur Springs
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | SouthStar Bank, S.S.B. score | SouthStar Bank, S.S.B. ROA | The City National Bank of Sulphur Springs score | The City National Bank of Sulphur Springs ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.41% | — | 1.70% |
| 2024-Q4 | — | 1.40% | — | 1.63% |
| 2025-Q1 | — | 1.53% | — | 1.72% |
| 2025-Q2 | — | 1.54% | — | 1.79% |
| 2025-Q3 | — | 1.57% | — | 1.94% |
| 2025-Q4 | — | 1.59% | — | 1.96% |
| 2026-Q1 | 91.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.62% | 0.15%Leads |
| Net charge-offs | 0.07% | -0.09%Leads |
| Efficiency ratio | 57.95% | 53.95%Leads |
| Loan-to-deposit ratio | 91.94% | 76.96% |
| Asset growth (YoY) | 8.32%Leads | 3.44% |
| Deposit / share growth (YoY) | 9.22%Leads | 2.74% |
| Branches | 16 | 17 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.54% |
| 90.3/100 |
| 2.32% |
| 2026-Q2 | 91.3/100 | 1.55% | 89.2/100 | 2.28% |