State Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Texas is an FDIC-insured commercial bank headquartered in Irving, TX, established in 1987 (FDIC certificate 27074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.59B, down 6.6% from Q2 2025, the 41st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.71% 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
- 27074
- Headquarters
- Irving, TX
- Established
- 1987
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- -6.6%
- Tier 1 leverage ratio, Q2 2026
- 15.71%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111017458
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Texas call report
- Holding company
- SBT BANCSHARES, INC.
- Asset rank in state
- 41st of 346 in Texas
State Bank of Texas is one of the more profitable banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, down 6.6% from a year earlier; it is based in Irving, Texas. It earns about $4.43 a year on every $100 of assets, 3.4 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 22 cents to bring in each dollar of revenue, about a third the median of 58 cents for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.16% of loans, down from 2.44% a year earlier. Funding is the softer spot: it pays an average of 3.66% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, State Bank of Texas reported a return on assets of 4.43%, a nonperforming-loan ratio of 2.16% and a Texas ratio of 11.57%. The figures come from its call report filed with the FFIEC.
State Bank of Texas ranks as the 41st largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.5% to $2.59B, loans fell 6.2% and deposits fell 3.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 91.9% of total loans, ahead of construction and land development loans at 6.9%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities across 2 states; its Irving 2 offices book 58% of its branch deposits. On its Q2 2026 call report, State Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 W John Carpenter Frwy, Irving, TX 75039
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 19, 1987
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $2.14B
- Allowance for credit losses
- $21.3M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $2.72B
- Average total loans
- $2.21B
- Average interest-bearing deposits
- $2.08B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 19, 1987
- FDIC Cert
- 27074
- Fed RSSD
- 1157415
- Website
- www.sbt.bank →
- Parent Holding Company
- SBT BANCSHARES, INC. (RSSD 3308677)
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 Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
State Bank of Texas's total assets moved between a low of $2.36B (Q3 2023) and a high of $2.81B (Q3 2025) from Q3 2023 to Q2 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
$2.59B total assets against $2.77B; $2.16B total liabilities against $2.37B.
$2.07B net loans and leases against $2.23B; $2.14B total deposits against $2.30B.
$186.6M securities against $151.6M; $235.3M cash and balances due against $279.7M.
$56.4M total interest income against $59.0M; $21.0M total interest expense against $24.9M.
$35.4M net interest income against $34.1M.
$834K total noninterest income against $1.8M; $8.0M total noninterest expense against $7.4M.
-$2.0M provision for credit losses against $494K.
$30.2M net income against $27.9M.
4.43% return on assets against 4.02%; 5.46% net interest margin against 5.15%.
15.71% tier 1 leverage ratio against 14.59%.
Inside the full State Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
State Bank of Texas rankings
Its closest position to the top of a national ranking is 15 of 3,606, for efficiency ratio; its furthest is 872 of 980, for uninsured deposits.
Metric pages for State Bank of Texas: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.23% (Q4 2024) to 4.48% (Q3 2024) and its net interest margin ran from 5.05% (Q1 2026) to 5.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.71% | 4.43% | 2.16% | 11.57% | 5.46% |
| Q1 2026 | 14.73% | 3.96% | 1.24% | 14.96% | 5.05% |
| Q4 2025 | 14.69% | 3.48% | 2.20% | 17.89% | 5.32% |
| Q3 2025 | 15.40% | 4.29% | 2.39% | 17.78% | 5.38% |
| Q2 2025 | 14.59% | 4.02% | 2.44% | 18.48% | 5.15% |
| Q1 2025 | 13.82% | 4.07% | 2.48% | 14.53% | 5.06% |
| Q4 2024 | 14.17% | 2.23% | 2.57% | 14.65% | 5.37% |
| Q3 2024 | 13.78% | 4.48% | 2.55% | 14.97% | 5.45% |
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 |
|---|---|---|---|
| State Bank of Texas (main office) | Irving , TX | 75039 | $1.00B |
| Devon Branch | Chicago , IL | 60659 | $312.9M |
| Irving Branch | Irving , TX | 75062 | $232.1M |
| Garland Branch | Garland , TX | 75043 | $226.8M |
| State Bank of Texas Branch | Houston , TX | 77074 | $186.3M |
| Richardson Branch | Richardson , TX | 75080 | $176.6M |
| O'Hare International Airport Branch | Chicago , IL | 60666 | $2.3M |
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 |
|---|---|---|---|
| January 28, 2017 | Structure Change | Acquired Seaway Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 27, 2017 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 25, 2014 | Structure Change | Acquired The National Republic Bank of Chicago Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 24, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 3, 2009 | Structure Change | Acquired Millennium State Bank of Texas Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 30, 1990 | Structure Change | Acquired First National Bank of Garland Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action August 21, 1996. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 73 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $480K approved, $480K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
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Frequently asked about State Bank of Texas
What are State Bank of Texas's total assets?
As of the Q2 2026 filing, State Bank of Texas reported total assets of $2.59 billion in its FFIEC call report.
Where is State Bank of Texas headquartered?
It is headquartered in Irving, TX, United States.
When was State Bank of Texas founded?
It was established in 1987, per the FDIC institution directory.
Is State Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27074). 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 Texas?
State Bank of Texas's primary federal regulator is the FDIC.
How many branches does State Bank of Texas 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 Texas's Texas Ratio?
Its Texas Ratio is 11.57% 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.
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