State Bank of Texas: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 2.16% from 1.15% in the prior period. State Bank of Texas is the primary bank subsidiary of its parent holding company, headquartered in Irving, TX, in the Dallas–Fort Worth Metroplex. Total assets stand at $2.6B. Returns are notably above industry norms: 4.43% ROA, 29.22% ROE, and 5.46% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 15.71% exceeds the CBLR threshold. Credit conditions bear watching: 2.16% NPL ratio with a 11.57% Texas Ratio (elevated but below the 100% concern level). 7 branches make up the footprint.
As of June 30, 2026, State Bank of Texas reported a Tier 1 leverage ratio of 15.71%, a return on assets of 4.43%, a nonperforming-loan ratio of 2.16%, a Texas ratio of 11.57%, per financial data filed with the FFIEC.
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
- Offices
- 7 domestic
- Employees (FTE)
- 97
- Domestic deposits
- $2.14B
- Allowance for credit losses
- $21.3M
- Net charge-offs (YTD)
- $33K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full State Bank of Texas terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock State Bank of Texas, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for State Bank of Texas: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.71% | 4.43% | 2.16% | 11.57% | 5.46% |
| Q1 2026 | 14.73% | 3.96% | 1.15% | 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% | 2.46% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for State Bank of Texas, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of Texas headquartered?
State Bank of Texas is headquartered in Irving, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of Texas founded?
State Bank of Texas was established in 1987, per the FDIC institution directory.
Is State Bank of Texas FDIC-insured?
Yes. State Bank of Texas 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does State Bank of Texas operate?
State Bank of Texas 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?
State Bank of Texas's Texas Ratio is 11.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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