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State National Bank
Groom, TX · FDIC Certificate #3237 · Chartered 05/0
Total assets
$55.13M
Total deposits
$47.67M
Total equity
$7.37M
Net loans
$43.05M
Branches (offices)
1
Net income (YTD)
$247.00K
Rank: #4,005 of 4,213 U.S. banks by assets · #336 of 346 in Texas. Assets changed -9.0% and deposits -9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 6.78% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 13.36% |
| Tier 1 leverage ratio | 12.60% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 62.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $26.91M | 62.5% | |
| Commercial & industrial | $5.22M | 12.1% | |
| Consumer / individual | $1.10M | 2.5% | |
| Construction & development | $1.37M | 3.2% | |
| Agricultural | $10.35M | 24.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $42.95M | $39.01M | $14.00K | $3.91M |
| Jun 2023 | $39.33M | $35.37M | $56.00K | $3.89M |
| Jun 2024 | $43.81M | $34.75M | -$394.00K | $8.91M |
| Jun 2025 | $60.60M | $52.55M | -$886.00K | $7.59M |
| Jun 2026 | $55.13M | $47.67M | $247.00K | $7.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $47.67M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.67M.
Similar-sized banks
Swedish-American State Bank ($55.47M) · Community National Bank In Monmouth ($55.12M)
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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