State Bank of De Kalb: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 109.96 percentage points higher than in Q1 2026, at 656.92%. On return on assets, State Bank of De Kalb ranks 26th highest among the 345 banks headquartered in Texas, at 2.43% (Q2 2026). State Bank of De Kalb's return on assets of 2.43% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.18 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.17% |
| Equity capital to assets | 11.98% |
| Tangible equity to tangible assets | 11.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.35% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 656.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.43% |
| Return on equity | 20.16% |
| Net interest margin | 4.76% |
| Efficiency ratio | 52.47% |
| Yield on earning assets | 6.24% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.76% |
| Core deposits to total deposits | 91.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.55% |
| Securities to assets | 1.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.80% | 1.73% | 4.01% | 0.19% | 0.00% |
| Q4 2023 | 10.89% | 1.68% | 3.92% | 0.17% | 0.01% |
| Q1 2024 | 10.79% | 2.01% | 4.20% | 0.17% | -0.00% |
| Q2 2024 | 11.07% | 2.19% | 4.41% | 0.15% | 0.08% |
| Q3 2024 | 11.44% | 1.90% | 4.57% | 0.14% | -0.00% |
| Q4 2024 | 11.55% | 1.82% | 4.70% | 0.21% | 0.40% |
| Q1 2025 | 11.65% | 2.21% | 4.79% | 0.09% | 0.02% |
| Q2 2025 | 11.68% | 2.34% | 4.85% | 0.07% | -0.03% |
| Q3 2025 | 11.82% | 2.32% | 4.87% | 0.41% | 0.01% |
| Q4 2025 | 11.91% | 2.45% | 4.99% | 0.29% | 0.25% |
| Q1 2026 | 11.92% | 2.18% | 4.70% | 0.28% | 0.00% |
| Q2 2026 | 12.17% | 2.43% | 4.76% | 0.23% | 0.04% |
State Bank of De Kalb vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of De Kalb, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of De Kalb profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15463) · FFIEC NIC profile (RSSD 621357)