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State Bank Of Texas
Irving, TX · FDIC Certificate #27074 · Chartered 10/1
Total assets
$2.59B
Total deposits
$2.14B
Total equity
$424.99M
Net loans
$2.07B
Branches (offices)
7
Net income (YTD)
$57.42M
Rank: #490 of 4,213 U.S. banks by assets · #41 of 346 in Texas. Assets changed -6.6% and deposits -6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 4.24% |
| Return on equity | 27.93% |
| Net interest margin (YTD) | 5.33% |
| Equity to assets | 16.43% |
| Tier 1 leverage ratio | 15.71% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 2.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.8% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.07B | 100.1% | |
| Commercial & industrial | $17.92M | 0.9% | |
| Consumer / individual | $2.05M | 0.1% | |
| Construction & development | $144.79M | 7.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.61B | $1.30B | $28.71M | $230.68M |
| Jun 2023 | $2.19B | $1.81B | $54.58M | $303.18M |
| Jun 2024 | $2.73B | $2.32B | $61.85M | $375.79M |
| Jun 2025 | $2.77B | $2.30B | $56.28M | $398.34M |
| Jun 2026 | $2.59B | $2.14B | $57.42M | $424.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.83B | 5 |
| Illinois | $315.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.14B.
Similar-sized banks
Wells Fargo Bank South Central, National Association ($2.59B) · First National Bank ($2.59B)
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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