Susser Bank
Susser Bank reported total assets of $3.0 bn at Q2 2026, up 13.9% on a year earlier, the 422nd largest of 497 banks in our US coverage. The CET1 capital ratio at Susser Bank was 11.65%, and the uninsured share of Susser Bank was 43.42%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Susser Bank climbed from 398th to 156th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Susser Bank apart
How large is Susser Bank?
The balance sheet of Susser Bank at : assets $3.0 bn, deposits $2.7 bn, net loans $2.2 bn (loans equal to 82.12% of deposits). Securities make up 3.4% of total assets at Susser Bank. Since , when Susser Bank held $603.5 mn, its assets grew 395.5%. In the year to , deposits at Susser Bank rose 13.9% while its total assets rose 13.9%. At , Susser Bank employed 266 full-time equivalent staff across 11 offices, about $11.2 mn of assets per employee and $242.0 mn of deposits per office.
How much funding at Susser Bank is uninsured?
At Susser Bank, uninsured deposits (above the FDIC limit) made up 43.42% of domestic deposits at (+10.23 pp on a year earlier); Susser Bank ranks 153rd of 500 on this measure. In dollars, Susser Bank estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | +13.9% | 393rd of 499 |
| Net loans and leases | $2.2 bn | +12.8% | 412th of 500 |
| Loan-to-deposit ratio | 82.12% | -0.85 pp | 318th of 500 |
| Tier 1 leverage ratio | 10.10% | +0.31 pp | 283rd of 500 |
| Total risk-based capital ratio | 12.90% | +0.39 pp | 367th of 448 |
| Net interest margin | 3.63% | -0.13 pp | 256th of 500 |
| Return on assets (ROA) | 0.92% | +0.17 pp | 409th of 500 |
| Efficiency ratio | 61.62% | +1.48 pp | 356th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.4 mn | Narrowed by $521,000 | |
| Noncurrent loans to total loans | 0.42% | -0.56 pp | 156th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.53 pp | 94th of 500 (1 = lowest) |
US rank of Susser Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Susser Bank: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.7bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Susser Bank stood at 11.65% in , +0.38 pp year on year. Low and high at Susser Bank since : 10.26% () to 16.05% (). Equity capital of Susser Bank at : $306.7 mn, or 10.3% of total assets. Susser Bank also reported a total capital ratio of 12.90% for , and a tier 1 leverage ratio of 10.10%.
The available-for-sale portfolio of Susser Bank showed an unrealized loss of $3.4 mn at ; the loss narrowed by $521,000 over the year.
Susser Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 10%
Susser Bank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , Susser Bank earned a return on equity of 9.03%; return on assets: 0.92%. Net interest margin at Susser Bank: 3.63%, -0.13 pp in a year. Susser Bank net income: $13.5 mn, up 39.1% year on year. The efficiency ratio of Susser Bank was 61.62%: about 62 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.42% of total loans at Susser Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Susser Bank: $2.2 bn, up 12.8% in a year.
Susser Bank: profitability
- Return on equity 9.0%
- Net interest margin 3.6%
- Return on assets 0.9%
Peer group of Susser Bank
The peer group of Susser Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Susser Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Susser Bank shows CET1 ratio 11.65% against a peer median of 12.18%, return on equity 9.03% against a peer median of 12.86% and uninsured deposit share 43.42% against a peer median of 27.84%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Southern Bancorp Bank | State member bank | AR | $3.0 bn | not reported | 6.80% | 39.23% | |
| Northwest Bank | State nonmember bank | IA | $3.0 bn | 11.19% | 13.67% | 28.80% | |
| Nelnet Bank | State nonmember bank | UT | $3.0 bn | not reported | 8.48% | 1.63% | |
| Susser Bank | State member bank | TX | $3.0 bn | 11.65% | 9.03% | 43.42% | |
| Maine Community Bank | State-chartered stock savings bank | ME | $3.0 bn | not reported | 12.49% | 15.63% | |
| First Fidelity Bank | State member bank | OK | $3.0 bn | not reported | 13.65% | 26.88% | |
| The Fidelity Deposit and Discount Bank | State nonmember bank | PA | $3.0 bn | 13.16% | 13.23% | 42.59% | |
. FDIC Call Reports.
Last eight quarters
Two years at Susser Bank, to : assets +22.7%, deposits +23.1%, equity +20.1%. Staff 258 to 266; offices 10 to 11.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.9 bn | $2.9 bn | $3.0 bn |
| Total deposits | $2.2 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.6 bn | $2.6 bn | $2.7 bn |
| Bank equity capital | $255.4 mn | $260.4 mn | $268.0 mn | $273.3 mn | $283.5 mn | $291.9 mn | $299.7 mn | $306.7 mn |
| CET1 ratio | 11.44% | 11.18% | 11.14% | 11.27% | 11.67% | 11.66% | 12.06% | 11.65% |
| Return on equity (ROE) | 7.35% | 7.86% | 9.49% | 7.27% | 9.12% | 9.26% | 9.76% | 9.03% |
| Uninsured share of domestic deposits | 38.35% | 39.17% | 34.40% | 33.19% | 41.22% | 41.02% | 41.90% | 43.42% |
| Full-time equivalent employees | 258 | 253 | 250 | 253 | 256 | 252 | 253 | 266 |
| Number of offices | 10 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Susser Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Susser Bank?
Susser Bank reported $3.0 bn at in its Call Report. That makes Susser Bank the 422nd largest of 497 banks in our US coverage.
Is Susser Bank the same as its holding company?
No. This page covers Susser Bank, FDIC certificate 34885; SBH MANAGER LLC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Susser Bank profitable?
Susser Bank reported net income of $13.5 mn for the year to ; annualized return on equity: 9.03%. So yes: Susser Bank made a profit over these months.
When is data for Susser Bank next updated?
Figures from Susser Bank for are due after .
Where can I check the figures for Susser Bank?
In the FDIC BankFind Suite record for certificate 34885, and in the Call Reports of Susser Bank (RSSD ID 965789) at the FFIEC Central Data Repository.