State Bank of Texas
Irving, TX · Cert 27074 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · SBT Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$2.6BAssets
$2.1BLoans
$2.1BDeposits
$425.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 1 of 20).
- Widest gap: nonperforming loans / loans trails 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 20).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.49%
Rank 2 of 20
Net Interest Margin
5.02%
Rank 2 of 20
Efficiency Ratio
21.41%
Rank 2 of 20
Equity / Assets
16.43%
Rank 2 of 20
Non-interest income vs. expense
Unfavorable gap of $26.0M · efficiency ratio beats 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.49% | 0.68% | 1.15% | 1.86% | Beats 90% | 2 / 20 | |
| Return on Equity | 21.24% | 7.45% | 10.95% | 14.25% | Beats 95% | 1 / 20 | |
| Net Interest Margin | 5.02% | 2.87% | 3.58% | 4.28% | Beats 90% | 2 / 20 | |
| Efficiency Ratio | 21.41% | 52.33% | 65.48% | 74.79% | Beats 95% | 2 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.16% | 0.18% | 0.42% | 1.54% | Beats 15% | 18 / 20 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.14% | Beats 80% | 5 / 20 | |
| Capital |
| Tier 1 Capital Ratio | 15.71% | 13.35% | 15.71% | 17.39% | Beats 50% | 10 / 20 | |
| Total Risk-Based Capital Ratio | 15.71% | 14.55% | 16.02% | 18.64% | Beats 45% | 11 / 20 | |
| Equity / Assets | 16.43% | 9.74% | 11.64% | 13.21% | Beats 90% | 2 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 97.80% | 72.63% | 81.14% | 96.60% | 80th pctl | 4 / 20 | |
| Loans / Assets | 80.98% | 60.26% | 69.54% | 79.68% | 80th pctl | 4 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |