State Bank of Texas: 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: 46.13 percentage points lower than in Q1 2026, at 47.24%. Among 345 Texas banks, State Bank of Texas sits 3rd from the top on return on assets, 4.43% as of Q2 2026. State Bank of Texas's return on assets of 4.43% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 3.16 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 | 15.71% |
| Equity capital to assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.16% |
| Non-performing assets ratio | 2.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 11.57% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 47.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.43% |
| Return on equity | 29.22% |
| Net interest margin | 5.46% |
| Efficiency ratio | 22.00% |
| Yield on earning assets | 8.68% |
| Cost of funds | 3.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.80% |
| Core deposits to total deposits | 73.83% |
| Brokered deposits to total deposits | 8.99% |
| Deposits to assets | 82.80% |
| Securities to assets | 7.22% |
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 | 14.80% | 4.97% | 6.24% | 0.89% | -0.00% |
| Q4 2023 | 15.28% | 4.91% | 6.42% | 0.68% | 0.01% |
| Q1 2024 | 13.72% | 4.74% | 5.60% | 1.75% | 0.04% |
| Q2 2024 | 14.01% | 4.55% | 5.67% | 2.07% | 0.18% |
| Q3 2024 | 13.78% | 4.48% | 5.45% | 2.55% | -0.01% |
| Q4 2024 | 14.17% | 2.23% | 5.37% | 2.46% | 1.71% |
| Q1 2025 | 13.82% | 4.07% | 5.06% | 2.48% | 0.01% |
| Q2 2025 | 14.59% | 4.02% | 5.15% | 2.44% | 0.42% |
| Q3 2025 | 15.40% | 4.29% | 5.38% | 2.39% | 0.33% |
| Q4 2025 | 14.69% | 3.48% | 5.32% | 2.20% | 0.40% |
| Q1 2026 | 14.73% | 3.96% | 5.05% | 1.15% | 0.01% |
| Q2 2026 | 15.71% | 4.43% | 5.46% | 2.16% | -0.00% |
State Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27074) · FFIEC NIC profile (RSSD 1157415)