State Bank of De Kalb
BankRegReports is independent of State Bank of De Kalb and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
State Bank of De Kalb is an FDIC-insured commercial bank headquartered in De Kalb, TX, established in 1937 (FDIC certificate 15463), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $519.9M, up 10.1% from Q2 2025, the 156th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15463
- Headquarters
- De Kalb, TX
- Established
- 1937
- Total assets, Q2 2026
- $519.9M
- Assets vs Q2 2025
- +10.1%
- Tier 1 leverage ratio, Q2 2026
- 12.17%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111907089
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of De Kalb call report
- Asset rank in state
- 156th of 346 in Texas
State Bank of De Kalb is one of the more profitable banks of its size. It reported $520 million in assets at June 30, 2026, up 10.1% from a year earlier. It earns about $2.43 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 4.76 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Net income for the quarter rose 12% from a year earlier, to $3.1 million. Over the same year, loans grew 5.5% and deposits grew 9.7%.
As of June 30, 2026, State Bank of De Kalb reported a return on assets of 2.43%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of De Kalb is the 156th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $519.9M, loans rose 4.8% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 23.5% of total loans, followed by commercial and industrial loans at 22.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in TX; its Texarkana 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, State Bank of De Kalb meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 S Runnels St, De Kalb, TX 75559
- County
- Bowie
- Metro Area
- Texarkana, TX-AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 19, 1937
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $455.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $509.0M
- Average total loans
- $374.6M
- Average interest-bearing deposits
- $340.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 20, 1937
- FDIC Cert
- 15463
- Fed RSSD
- 621357
- Website
- www.statebankofdekalb.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, State Bank of De Kalb reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of De Kalb's total assets ranged from $424.1M (Q4 2023) to $521.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$519.9M total assets against $472.4M; $457.6M total liabilities against $417.0M.
$379.9M net loans and leases against $360.4M; $455.1M total deposits against $414.8M.
$9.0M securities against $14.2M; $118.9M cash and balances due against $84.8M.
$7.7M total interest income against $7.4M; $1.8M total interest expense against $1.8M.
$5.9M net interest income against $5.5M.
$1.1M total noninterest income against $942K; $3.7M total noninterest expense against $3.5M.
$210K provision for credit losses against $210K.
$3.1M net income against $2.8M.
2.43% return on assets against 2.34%; 4.76% net interest margin against 4.85%.
12.17% tier 1 leverage ratio against 11.68%.
Inside the full State Bank of De Kalb terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of De Kalb rankings
Its closest position to the top of a national ranking is 187 of 3,611, for ROA; its furthest is 2,529 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.82% (Q4 2024) to 2.45% (Q4 2025) and its net interest margin ran from 4.57% (Q3 2024) to 4.99% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 2.43% | 0.24% | 1.35% | 4.76% |
| Q1 2026 | 11.92% | 2.18% | 0.29% | 1.60% | 4.70% |
| Q4 2025 | 11.91% | 2.45% | 0.29% | 1.72% | 4.99% |
| Q3 2025 | 11.82% | 2.32% | 0.41% | 2.48% | 4.87% |
| Q2 2025 | 11.68% | 2.34% | 0.14% | 0.85% | 4.85% |
| Q1 2025 | 11.65% | 2.21% | 0.13% | 0.81% | 4.79% |
| Q4 2024 | 11.55% | 1.82% | 0.23% | 1.43% | 4.70% |
| Q3 2024 | 11.44% | 1.90% | 0.17% | 1.01% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Richmond Road Branch | Texarkana , TX | 75503 | $132.1M |
| State Bank of De Kalb (main office) | De Kalb , TX | 75559 | $103.6M |
| Atlanta Texas Branch | Atlanta , TX | 75551 | $73.6M |
| Clarksville Branch | Clarksville , TX | 75426 | $72.5M |
| Texas Boulevard Branch | Texarkana , TX | 75503 | $32.3M |
| New Boston Branch | New Boston , TX | 75570 | $22.8M |
| New Boston Road Branch | Nash , TX | 75569 | $18.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 14, 1990 | Structure Change | Acquired Citizens Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 1987 | Structure Change | Acquired Red River National Bank in Clarksville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 19, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 197 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $116K approved, $116K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows State Bank of De Kalb’s latest filed figures and updates each quarter.
Similar banks
Compare State Bank of De Kalb with peers
Frequently asked about State Bank of De Kalb
What are State Bank of De Kalb's total assets?
As of the Q2 2026 filing, State Bank of De Kalb reported total assets of $519.9 million in its FFIEC call report.
Where is State Bank of De Kalb headquartered?
It is headquartered in De Kalb, TX, United States.
When was State Bank of De Kalb founded?
It was established in 1937, per the FDIC institution directory.
Is State Bank of De Kalb FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of De Kalb?
State Bank of De Kalb's primary federal regulator is the FDIC.
How many branches does State Bank of De Kalb operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of De Kalb's Texas Ratio?
Its Texas Ratio is 1.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on State Bank of De Kalb.
Get an email when State Bank of De Kalb files its next call report, and benchmark it against any peer you choose.
Unlock State Bank of De Kalb, freeFree account