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State Bank of de Kalb

De Kalb, TX · Cert 15463

State charter, non-member · FDIC · 7 branches

Q2 2026

$519.9MAssets
$385.8MLoans
$455.1MDeposits
$62.3MEquity
Loan mix
73%RE $254.0M25%C&I $85.7M2%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $337.1M26%Noninterest $118.0MQ2 2025Q2 2026

NIM

5.95%Q2 ’246.26%Q2 ’256.08%Q2 ’26+10%-2%

Non-interest income vs. expense

2.80%Q2 ’242.99%Q2 ’252.91%Q2 ’26+4%-7%

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 9.9% share · #4 of 19 inst. · $0.3B of $3.1B

14.9% Bowie
19.0% Cass
31.3% Red River

Executive Summary

  • Earnings: ROA of 1.87%, up 1 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.24% of loans (+10 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.17%, up 48 bps from a year ago.
  • Funding: loans stand at 84.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.87%+1 bps YoY

Net Interest Margin (quarter, annualized)

4.64%-7 bps YoY

Efficiency Ratio (quarter, annualized)

52.62%-137 bps YoY

Tier 1 Leverage Ratio

12.17%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.82%1.94%1.71%1.87%+1 bps
Return on Equity15.88%15.54%16.37%14.50%15.83%-5 bps
Net Interest Margin4.71%4.74%4.86%4.57%4.64%-7 bps
Efficiency Ratio53.99%55.00%54.86%55.48%52.62%-137 bps
Non-Interest Burden2.19%2.23%2.23%2.22%2.04%-15 bps
Growth
Asset Growth (YoY)3.84%6.09%12.60%12.89%10.06%+623 bps
Loan Growth (YoY)12.21%8.48%5.20%2.32%5.45%-676 bps
Deposit Growth (YoY)7.08%9.78%12.66%12.95%9.72%+264 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.41%0.29%0.29%0.24%+10 bps
Net Charge-Offs / Loans-0.03%0.01%0.25%0.00%0.04%+7 bps
Allowance / Loans1.48%1.50%1.44%1.54%1.53%+4 bps
Allowance Coverage of NPLs10.7x3.6x4.9x5.4x6.4x-4.2x
Capital
Tier 1 Leverage Ratio11.68%11.82%11.91%11.92%12.17%+48 bps
Total Risk-Based Capital11.68%11.82%11.91%11.92%12.17%+48 bps
Equity / Assets11.71%11.71%11.93%11.63%11.98%+27 bps
Liquidity & Funding
Loans / Deposits88.19%87.24%86.29%80.32%84.76%-343 bps
Liquid Assets / Assets17.93%19.60%20.52%26.13%21.85%+391 bps
CRE / Total Capitaln/a209%214%212%n/an/a