STATE BANK OF DE KALB
DE KALB, TEXAS · FDIC Cert #15463
Capital & Safety Analysis
According to FDIC financial data, STATE BANK OF DE KALB holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject STATE BANK OF DE KALB to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
STATE BANK OF DE KALB shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
Frequently Asked Questions
STATE BANK OF DE KALB has a Bank Health Score of C (60/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
STATE BANK OF DE KALB holds $455M in total assets and $387M in total deposits. It is located in DE KALB, TEXAS (FDIC Certificate #15463).
STATE BANK OF DE KALB has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.