State Bank of de Kalb
De Kalb, Texas · FDIC Cert #15463
This is the FDIC profile for State Bank of de Kalb, an FDIC-insured bank (Certificate #15463) with $455M in total assets and $387M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in De Kalb, Texas, the bank maintains a Tier 1 capital ratio of 11.07% (Well-Capitalized) and a nonperforming loan ratio of 0.17%. BankHealthData assigns a composite Health Grade of A (85/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of de Kalb (FDIC cert 15463) is a community bank — $455M in total assets, $387M in deposits, serving the De Kalb, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.07% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.17% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 26.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.13% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. State Bank of de Kalb carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of de Kalb
- Total Assets
- $455M
- Total Deposits
- $387M
- Tier 1 Capital Ratio
- 11.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.17%
- Liquidity Ratio
- 26.31%
- Return on Assets
- 2.13%
- Headquarters
- De Kalb, Texas
- FDIC Certificate
- #15463
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of de Kalb files quarterly Call Reports with the FDIC under Certificate #15463. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, State Bank of de Kalb holds a Tier 1 capital ratio of 11.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of de Kalb has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of de Kalb shows strong financial health indicators. With $455M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of de Kalb Compares
State Bank of de Kalb’s Health Score of 85 is 0 points above the Texas state average of 85 across 321 FDIC-insured banks. Its 11.07% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 0.17% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1493 similarly-sized banks, the average Health Score is 80, meaning this bank ranks above its size cohort. Site-wide, State Bank of de Kalb is 5 points above the portfolio average of 80.
Frequently Asked Questions
State Bank of de Kalb has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of de Kalb's Tier 1 capital ratio of 11.07% and nonperforming loan ratio of 0.17% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of de Kalb is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15463). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of de Kalb holds $455M in total assets and $387M in total deposits. It is headquartered in De Kalb, Texas (FDIC Certificate #15463).
State Bank of de Kalb's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #15463 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
State Bank of de Kalb has a Tier 1 capital ratio of 11.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.17%, and the return on assets is 2.13%.
Yes. State Bank of de Kalb is FDIC-insured (Certificate #15463). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of de Kalb's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.