State Bank of de Kalb
De Kalb, TX · Cert 15463 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 7 branches
Q2 2026
$519.9MAssets
$385.8MLoans
$455.1MDeposits
$62.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in TX (rank 32 of 211).
- Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets in TX (rank 146 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.77%
Rank 38 of 211
Net Interest Margin
4.59%
Rank 32 of 211
Efficiency Ratio
54.25%
Rank 61 of 211
Equity / Assets
11.98%
Rank 80 of 211
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 72% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.87% | 1.20% | 1.65% | Beats 82% | 38 / 211 | |
| Return on Equity | 14.74% | 7.52% | 11.67% | 14.58% | Beats 76% | 51 / 211 | |
| Net Interest Margin | 4.59% | 3.28% | 3.82% | 4.31% | Beats 85% | 32 / 211 | |
| Efficiency Ratio | 54.25% | 53.01% | 64.18% | 73.65% | Beats 72% | 61 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.01% | 0.30% | 1.10% | Beats 54% | 96 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 46% | 113 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.17% | 11.72% | 14.45% | 19.57% | Beats 31% | 145 / 211 | |
| Total Risk-Based Capital Ratio | 12.17% | 11.94% | 14.78% | 20.30% | Beats 31% | 146 / 211 | |
| Equity / Assets | 11.98% | 9.41% | 11.06% | 12.94% | Beats 62% | 80 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 84.76% | 45.39% | 66.56% | 82.03% | 79th pctl | 43 / 208 | |
| Loans / Assets | 74.20% | 39.13% | 56.90% | 70.46% | 85th pctl | 32 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |