State Bank of the Lakes, N.A.: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
State Bank of the Lakes, N.A. reported a Texas ratio of 1.64% as of Q2 2026, ranking #2,411 of 3,642 U.S. banks (34th percentile). That is up 0.48 percentage points from 1.16% a year earlier, and below the 3.63% median of the 873 Large Community Banks ($1B–$10B in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
Under 25%: healthy. 25-50%: above most banks (the median bank is near 3%) but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
Full definition & formula →Frequently asked questions
What is State Bank of the Lakes, N.A.'s Texas Ratio?
State Bank of the Lakes, N.A.'s Texas Ratio was 1.64% as of Q2 2026, ranking #2411 of 3,642 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
More State Bank of the Lakes, N.A. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full State Bank of the Lakes, N.A. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)