State Bank of Texas
State Bank of Texas reported total assets of $2.6 bn at Q2 2026, down 6.6% on a year earlier, the 484th largest of 497 banks in our US coverage. State Bank of Texas uses the community bank leverage ratio framework, with a leverage ratio of 15.71%. State Bank of Texas held deposits of $2.1 bn. Source: FDIC Call Reports.
Key takeaways
- State Bank of Texas has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 4.24% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
- The efficiency ratio of State Bank of Texas, 21.41% at , places State Bank of Texas in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than State Bank of Texas, at 27.93% in against a group median of 12.68% (FDIC Call Reports).
What sets State Bank of Texas apart
- State Bank of Texas has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.33% at , against a median of 3.66% across 339 banks.
- At 15.71%, the tier 1 leverage ratio of State Bank of Texas sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45%.
- On noncurrent loans to total loans, State Bank of Texas climbed from 501st to 464th among 500 US banks between and (1 = lowest).
How large is State Bank of Texas?
The balance sheet of State Bank of Texas at : assets $2.6 bn, deposits $2.1 bn, net loans $2.1 bn (loans equal to 96.80% of deposits). Securities make up 7.2% of total assets at State Bank of Texas. Since , when State Bank of Texas held $675.5 mn, its assets grew 282.8%. In the year to , deposits at State Bank of Texas fell 6.8% while its total assets fell 6.6%. At , State Bank of Texas employed 97 full-time equivalent staff across 7 offices, about $26.7 mn of assets per employee and $305.9 mn of deposits per office.
How much funding at State Bank of Texas is uninsured?
At State Bank of Texas, uninsured deposits (above the FDIC limit) made up 16.58% of domestic deposits at (+0.33 pp on a year earlier); State Bank of Texas ranks 441st of 500 on this measure. In dollars, State Bank of Texas estimated $354.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | -6.8% | 483rd of 499 |
| Net loans and leases | $2.1 bn | -6.9% | 428th of 500 |
| Loan-to-deposit ratio | 96.80% | -0.17 pp | 90th of 500 |
| Net interest margin | 5.33% | +0.19 pp | 31st of 500 |
| Return on assets (ROA) | 4.24% | +0.19 pp | 6th of 500 |
| Efficiency ratio | 21.41% | +1.41 pp | 9th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.6 mn | Narrowed by $4.3 mn | |
| Noncurrent loans to total loans | 2.16% | -0.28 pp | 464th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.21 pp | 74th of 500 (1 = lowest) |
US rank of State Bank of Texas: 1 = highest unless marked 1 = lowest.
Balance sheet
State Bank of Texas: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $2.1bn
Capital and securities
State Bank of Texas uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 15.71% in . Equity capital of State Bank of Texas at : $425.0 mn, or 16.4% of total assets.
The available-for-sale portfolio of State Bank of Texas showed an unrealized loss of $2.6 mn at ; the loss narrowed by $4.3 mn over the year.
State Bank of Texas: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 16%
State Bank of Texas: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , State Bank of Texas earned a return on equity of 27.93%; return on assets: 4.24%. Net interest margin at State Bank of Texas: 5.33%, +0.19 pp in a year. State Bank of Texas net income: $57.4 mn, up 2.0% year on year. The efficiency ratio of State Bank of Texas was 21.41%: about 21 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 2.16% of total loans at State Bank of Texas; net charge-offs: 0.00% of average loans. Gross loans and leases at State Bank of Texas: $2.1 bn, down 7.0% in a year.
State Bank of Texas: profitability
- Return on equity 28%
- Net interest margin 5.3%
- Return on assets 4.2%
Peer group of State Bank of Texas
The peer group of State Bank of Texas 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 State Bank of Texas (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, State Bank of Texas shows return on equity 27.93% against a peer median of 8.61% and uninsured deposit share 16.58% against a peer median of 24.62%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| KS StateBank | State nonmember bank | KS | $2.6 bn | not reported | 15.22% | 21.85% | |
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
| State Bank of Texas | State nonmember bank | TX | $2.6 bn | not reported | 27.93% | 16.58% | |
| First National Bank | National bank | AR | $2.6 bn | 13.42% | 10.46% | 37.85% | |
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
. FDIC Call Reports.
Last eight quarters
Two years at State Bank of Texas, to : assets -8.0%, deposits -7.5%, equity +11.9%. Staff 95 to 97.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.6 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.2 bn | $2.2 bn | $2.1 bn |
| Bank equity capital | $379.7 mn | $389.7 mn | $378.6 mn | $398.3 mn | $431.3 mn | $407.3 mn | $401.3 mn | $425.0 mn |
| Return on equity (ROE) | 33.39% | 28.95% | 29.51% | 28.95% | 28.89% | 27.61% | 26.95% | 27.93% |
| Uninsured share of domestic deposits | 27.07% | 29.02% | 31.36% | 16.25% | 16.53% | 16.51% | 17.22% | 16.58% |
| Full-time equivalent employees | 95 | 97 | 99 | 101 | 99 | 99 | 96 | 97 |
| Number of offices | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of State Bank of Texas, oldest first; figures before and after each event are not like for like.
- . Acquired the failed Seaway Bank and Trust Company from the FDIC as receiver (FDIC certificate 19328).
Large one-quarter moves at State Bank of Texas
- Total assets at State Bank of Texas changed by +29.6% in the quarter to 2017-03-31: Failure - Whole Institution; Participated in FDIC Assisted Merger: acquired from Seaway Bank and Trust Company.
Questions and identifiers
What were the total assets of State Bank of Texas?
State Bank of Texas reported $2.6 bn at in its Call Report. That makes State Bank of Texas the 484th largest of 497 banks in our US coverage.
Is State Bank of Texas the same as its holding company?
No. This page covers State Bank of Texas, FDIC certificate 27074; SBT BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is State Bank of Texas profitable?
State Bank of Texas reported net income of $57.4 mn for the year to ; annualized return on equity: 27.93%. So yes: State Bank of Texas made a profit over these months.
When is data for State Bank of Texas next updated?
Figures from State Bank of Texas for are due after .
Where can I check the figures for State Bank of Texas?
In the FDIC BankFind Suite record for certificate 27074, and in the Call Reports of State Bank of Texas (RSSD ID 1157415) at the FFIEC Central Data Repository.