STATE BANK OF TEXAS

IRVING, TX | Large | Est. Oct. 19, 1987, midnight | FDIC #27074 | RSSD #1157415 | FDIC
Latest Report: 2025-12-31

STATE BANK OF TEXAS is aln large FDIC-insured commercial bank headquartered in IRVING, TX, established in Oct. 19, 1987, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.2B. Profitability stands at 3.46% ROA and 23.06% ROE, with a net interest margin of 5.48%. The bank's CET1 capital ratio is 14.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.20% and a Texas Ratio of 17.89%. FDIC Certificate #27074.

Assets

$2.8B

Deposits

$2.2B

Loans

$2.3B

Equity

$407M

Profitability

Return on Assets (ROA) 3.46%
Return on Equity (ROE) 23.06%
Net Interest Margin (NIM) 5.48%
Yield on Assets 9.07%
Cost of Funds 4.13%

Asset Quality

NPL Ratio 2.20%
Net Charge-Off Ratio 0.29%
Texas Ratio 17.89%
NPA Ratio 2.78%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 14.69%
Tier 1 Capital 14.69%
Total Capital Ratio 15.42%
Leverage Ratio 14.69%
Loan-to-Deposit 101.00%

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