STATE BANK OF DE KALB

DE KALB, TX | Small | Est. Feb. 19, 1937, midnight | FDIC #15463 | RSSD #621357 | FDIC
Latest Report: 2025-12-31

STATE BANK OF DE KALB is asn small FDIC-insured commercial bank headquartered in DE KALB, TX, established in Feb. 19, 1937, midnight. As of 2025-12-31, the bank reported total assets of $491M and total deposits of $431M. Profitability stands at 2.45% ROA and 20.75% ROE, with a net interest margin of 5.28%. The bank's CET1 capital ratio is 11.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.68%. FDIC Certificate #15463.

Assets

$491M

Deposits

$431M

Loans

$372M

Equity

$59M

Profitability

Return on Assets (ROA) 2.45%
Return on Equity (ROE) 20.75%
Net Interest Margin (NIM) 5.28%
Yield on Assets 6.93%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.68%
NPA Ratio 0.22%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 11.84%
Tier 1 Capital 11.84%
Total Capital Ratio 12.43%
Leverage Ratio 11.91%
Loan-to-Deposit 86.29%

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