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State Bank of Texas

Irving, TX · Cert 27074 · SBT Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BDeposits
$425.0MEquity
Loan mix
99%RE $2.2B1%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $2.0B5%Noninterest $0.1BQ2 2025Q2 2026

NIM

9.63%Q2 ’248.50%Q2 ’258.28%Q2 ’26-9%+6%

Non-interest income vs. expense

0.99%Q2 ’241.06%Q2 ’251.18%Q2 ’26+16%+30%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #31 of 166 inst. · $1.6B of $732.8B

0.5% Dallas
0.1% Cook
0.1% Harris

Executive Summary

  • Earnings: ROA of 3.55%, up 39 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 2.16% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.71%, up 112 bps from a year ago.
  • Funding: loans stand at 97.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

3.55%+39 bps YoY

Net Interest Margin (quarter, annualized)

5.20%+29 bps YoY

Efficiency Ratio (quarter, annualized)

22.13%+151 bps YoY

Tier 1 Leverage Ratio

15.71%+112 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.16%3.41%2.73%3.10%3.55%+39 bps
Return on Equity22.62%22.94%18.20%21.21%22.98%+36 bps
Net Interest Margin4.91%5.12%5.06%4.79%5.20%+29 bps
Efficiency Ratio20.61%18.61%21.92%20.65%22.13%+151 bps
Non-Interest Burden0.81%0.74%1.23%0.84%1.06%+25 bps
Growth
Asset Growth (YoY)1.33%0.04%-0.32%-0.92%-6.61%-794 bps
Loan Growth (YoY)1.27%-1.46%-1.26%-2.24%-6.99%-826 bps
Deposit Growth (YoY)-1.10%-0.41%-1.81%-4.75%-6.78%-568 bps
Asset Quality
Nonperforming Loans / Loans2.44%2.39%2.20%1.24%2.16%-28 bps
Net Charge-Offs / Loans0.42%0.32%0.40%0.01%0.00%-43 bps
Allowance / Loans1.07%1.03%1.06%1.07%1.02%-5 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.9x0.5x0.0x
Capital
Tier 1 Leverage Ratio14.59%15.40%14.69%14.73%15.71%+112 bps
Total Risk-Based Capital14.59%15.40%14.69%14.73%15.71%+112 bps
Equity / Assets14.39%15.33%14.69%14.52%16.43%+205 bps
Liquidity & Funding
Loans / Deposits98.02%98.64%101.00%100.35%97.80%-22 bps
Liquid Assets / Assets8.56%9.25%8.09%7.78%7.58%-98 bps
CRE / Total Capitaln/a518%548%545%n/an/a