Bank Safety Analysis
Industry State Bank: final safety record
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Texas ratio climbed 154.49 percentage points in Q2 2025, from 3.79% to 158.29%. It was the largest change from Q1 2025 among the key lines here. From Q3 2022 to Q2 2025, Industry State Bank's CET1 ratio ranged between 24.94% (Q3 2022) and 28.38% (Q3 2023) and its Texas ratio ranged between -57.97% (Q4 2023) and 158.29% (Q2 2025). Between Q2 2024 and Q2 2025, Industry State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.01% to 0.31%, Texas ratio rose from -0.17% to 158.29% and return on assets rose from -0.19% to 0.57%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 17.66% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 17.66% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.31% are within industry-normal range.
Texas Ratio of 158.3% is above the 100% threshold historically associated with bank failures.
Efficiency ratio of 49.1% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 158.29% | Watch at 50%, concern at 100% | Flagged |
| Non-performing loan ratio BankRegReports band | 0.31% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 28.93% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 20.39% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | — | Watch at 10%, concern at 25% | Not reported |
Capital ratio: last 5 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2023 | 28.38% |
| Q2 2023 | 27.38% |
| Q1 2023 | 26.73% |
| Q4 2022 | 25.64% |
| Q3 2022 | 24.94% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2025 | 158.29% |
| Q1 2025 | 3.79% |
| Q4 2024 | 2.49% |
| Q3 2024 | 0.52% |
| Q2 2024 | -0.17% |
| Q1 2024 | -2.78% |
| Q4 2023 | -57.97% |
| Q3 2023 | -0.84% |
| Q2 2023 | -3.01% |
| Q1 2023 | -5.01% |
| Q4 2022 | -2.12% |
| Q3 2022 | -1.29% |
Industry State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2025 | — | 0.31% | 158.29% | 0.57% |
| Mar 31, 2025 | — | 0.14% | 3.79% | -3.16% |
| Dec 31, 2024 | — | 0.14% | 2.49% | 9.93% |
| Sep 30, 2024 | — | 0.02% | 0.52% | -0.13% |
| Jun 30, 2024 | — | 0.01% | -0.17% | -0.19% |
| Mar 31, 2024 | — | 0.14% | -2.78% | 0.18% |
| Dec 31, 2023 | — | 0.24% | -57.97% | 0.06% |
| Sep 30, 2023 | 28.38% | 0.25% | -0.84% | 0.48% |
| Jun 30, 2023 | 27.38% | 0.23% | -3.01% | 0.84% |
| Mar 31, 2023 | 26.73% | 0.23% | -5.01% | 1.10% |
| Dec 31, 2022 | 25.64% | 0.23% | -2.12% | 1.19% |
| Sep 30, 2022 | 24.94% | 0.25% | -1.29% | 1.66% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 12506) · FFIEC NIC profile (RSSD 733054)
Explore: Full Industry State Bank profile · Other banks in TX · Metric glossary · How the call report works