The State National Bank of Groom
Also written as SNB of Groom
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Data as of · sourced from FFIEC call reports. How we update
The State National Bank of Groom is an FDIC-insured commercial bank headquartered in Groom, TX, established in 1925 (FDIC certificate 3237), and it is supervised by the OCC. At Q2 2026 it reported total assets of $55.1M, down 9.0% from Q2 2025, the 336th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3237
- Headquarters
- Groom, TX
- Established
- 1925
- Total assets, Q2 2026
- $55.1M
- Assets vs Q2 2025
- -9.0%
- Tier 1 leverage ratio, Q2 2026
- 12.60%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111310809
- Latest call report
- Q2 2026, FFIEC 051 · The State National Bank of Groom call report
- Holding company
- GROOM BANCSHARES, INC.
- Asset rank in state
- 336th of 346 in Texas
The State National Bank of Groom leans heavily on commercial real estate. The Groom, Texas bank had $55 million in assets at June 30, 2026, down 9.0% from a year earlier. It holds commercial real estate loans worth 1.3 times its capital, 4.9 times the median of 26% for the 583 banks with less than $100 million in assets. It also lost 9.3% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
Delinquency has appeared in its $5.2 million commercial and industrial book: 12.46% of those loans are past due or on nonaccrual, against almost none a year earlier. The balance sheet shrank over the year: over the year loans fell 3.1% and deposits fell 9.3%. Funding is the softer spot: it pays an average of 2.70% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, The State National Bank of Groom reported a return on assets of 0.42%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 6.92%. The figures come from its call report filed with the FFIEC.
The State National Bank of Groom ranks as the 336th 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 9.4% to $55.1M, loans fell 3.8% and deposits fell 10.8%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 23.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.3%. Its one office in the FDIC Summary of Deposits is in Groom, TX. On its Q2 2026 call report, The State National Bank of Groom meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 99 Broadway Ave, Groom, TX 79039
- County
- Carson
- Metro Area
- Amarillo, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1925
- Former names
- State National Bank (2024)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $47.7M
- Allowance for credit losses
- $802K
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $59.1M
- Average total loans
- $43.2M
- Average interest-bearing deposits
- $43.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3237
- Fed RSSD
- 460556
- Website
- www.snb.bank →
- Parent Holding Company
- GROOM BANCSHARES, INC. (RSSD 1103234)
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, The State National Bank of Groom reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The State National Bank of Groom's total assets moved between a low of $37.8M (Q3 2023) and a high of $62.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.1M total assets against $60.6M; $47.8M total liabilities against $53.0M.
$43.0M net loans and leases against $44.3M; $47.7M total deposits against $52.6M.
$7.2M securities against $6.0M; $2.5M cash and balances due against $7.8M.
$946K total interest income against $1.0M; $348K total interest expense against $414K.
$598K net interest income against $624K.
$44K total noninterest income against $55K; $563K total noninterest expense against $664K.
$0 provision for credit losses against $0.
$62K net income against $12K.
0.42% return on assets against 0.08%; 4.27% net interest margin against 4.28%.
12.60% tier 1 leverage ratio against 12.76%.
Inside the full The State National Bank of Groom terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -6.70% (Q1 2025) to 1.14% (Q1 2026) and its net interest margin ran from 3.99% (Q1 2026) to 4.95% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.60% | 0.42% | 0.35% | 6.92% | 4.27% |
| Q1 2026 | 11.35% | 1.14% | 0.36% | 7.16% | 3.99% |
| Q4 2025 | 11.70% | -0.10% | 0.35% | 7.39% | 4.31% |
| Q3 2025 | 12.06% | -2.76% | 0.35% | 7.43% | 4.08% |
| Q2 2025 | 12.76% | 0.08% | 0.36% | 7.15% | 4.28% |
| Q1 2025 | 14.25% | -6.70% | 0.41% | 7.43% | 4.50% |
| Q4 2024 | 16.91% | -0.23% | 0.49% | 7.26% | 4.54% |
| Q3 2024 | 20.37% | -1.06% | 0.48% | 7.78% | 4.95% |
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Branch Network
View the branch → 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 National Bank | Groom , TX | 79039 | $47.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 416 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The State National Bank of Groom
What are The State National Bank of Groom's total assets?
As of the Q2 2026 filing, The State National Bank of Groom reported total assets of $55.1 million in its FFIEC call report.
Where is The State National Bank of Groom headquartered?
It is headquartered in Groom, TX, United States.
When was The State National Bank of Groom founded?
It was established in 1925, per the FDIC institution directory.
Is The State National Bank of Groom FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State National Bank of Groom?
The State National Bank of Groom's primary federal regulator is the OCC.
How many branches does The State National Bank of Groom operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State National Bank of Groom's Texas Ratio?
Its Texas Ratio is 6.92% 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.
What was The State National Bank of Groom previously called?
The charter now named The State National Bank of Groom has also operated as State National Bank (2024), per FDIC structure-change records.
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