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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 $8.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $337.1M26%Noninterest $118.0MQ3 2024Q2 2026

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 1.80%, down 2 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.24% of loans (+10 bps YoY), with net charge-offs at 0.02%.
  • 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.

Return on Assets (YTD, annualized)

1.80%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.59%-3 bps YoY

Efficiency Ratio (YTD, annualized)

54.01%-62 bps YoY

Tier 1 Leverage Ratio

12.17%+48 bps YoY

NIM

5.82%Q2 ’246.14%Q2 ’256.01%Q2 ’26+11%-1%

Non-interest income vs. expense

2.76%Q2 ’242.95%Q2 ’252.92%Q2 ’26+6%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.58%1.78%1.82%1.82%1.86%1.71%1.80%-2 bps
Return on Equity14.61%14.09%15.03%15.45%15.48%15.75%14.50%15.17%-28 bps
Net Interest Margin4.29%4.35%4.64%4.62%4.61%4.59%4.57%4.59%-3 bps
Efficiency Ratio56.92%57.57%55.30%54.63%54.76%54.79%55.48%54.01%-62 bps
Non-Interest Burden2.13%2.20%2.25%2.19%2.18%2.16%2.22%2.12%-7 bps
Growth
Asset Growth (YoY)6.34%2.91%0.57%3.84%6.09%12.60%12.89%10.06%+623 bps
Loan Growth (YoY)4.21%7.98%12.89%12.21%8.48%5.20%2.32%5.45%-676 bps
Deposit Growth (YoY)5.09%3.14%3.05%7.08%9.78%12.66%12.95%9.72%+264 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.23%0.13%0.14%0.41%0.29%0.29%0.24%+10 bps
Net Charge-Offs / Loans0.02%0.12%0.02%-0.01%0.00%0.06%0.00%0.02%+3 bps
Allowance / Loans1.43%1.38%1.44%1.48%1.50%1.44%1.54%1.53%+4 bps
Allowance Coverage of NPLs8.6x6.0x11.0x10.7x3.6x4.9x5.4x6.4x-4.2x
Capital
Tier 1 Leverage Ratio11.44%11.55%11.65%11.68%11.82%11.91%11.92%12.17%+48 bps
Total Risk-Based Capital11.44%11.55%11.65%11.68%11.82%11.91%11.92%12.17%+48 bps
Equity / Assets11.30%11.97%11.65%11.71%11.71%11.93%11.63%11.98%+27 bps
Liquidity & Funding
Loans / Deposits88.28%92.40%88.67%88.19%87.24%86.29%80.32%84.76%-343 bps
Liquid Assets / Assets20.03%13.34%17.04%17.93%19.60%20.52%26.13%21.85%+391 bps
CRE / Total Capitaln/an/an/an/a209%214%212%n/an/a