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State Bank Of De Kalb
De Kalb, TX · FDIC Certificate #15463 · Chartered 02/1
Total assets
$519.89M
Total deposits
$455.14M
Total equity
$62.28M
Net loans
$379.88M
Branches (offices)
7
Net income (YTD)
$5.85M
Rank: #1,739 of 4,213 U.S. banks by assets · #156 of 346 in Texas. Assets changed 10.1% and deposits 9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.29% |
| Return on equity | 19.33% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 11.98% |
| Tier 1 leverage ratio | 12.17% |
| Uninsured deposits (share of deposits) | 35.8% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 71.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $272.19M | 71.7% | |
| Commercial & industrial | $85.54M | 22.5% | |
| Consumer / individual | $7.85M | 2.1% | |
| Construction & development | $45.72M | 12.0% | |
| Agricultural | $14.49M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $448.72M | $400.63M | $3.18M | $40.90M |
| Jun 2023 | $429.98M | $368.48M | $4.04M | $45.46M |
| Jun 2024 | $454.92M | $387.40M | $4.75M | $50.45M |
| Jun 2025 | $472.36M | $414.82M | $5.29M | $55.32M |
| Jun 2026 | $519.89M | $455.14M | $5.85M | $62.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $455.14M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $455.14M.
Similar-sized banks
The Savings Bank ($520.06M) · New Omni Bank, National Association ($517.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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