State Bank of Texas
Irving, Texas · FDIC Cert #27074
This is the FDIC profile for State Bank of Texas, an FDIC-insured bank (Certificate #27074) with $2.7B in total assets and $2.3B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Irving, Texas, the bank maintains a Tier 1 capital ratio of 14.01% (Well-Capitalized) and a nonperforming loan ratio of 2.07%. BankHealthData assigns a composite Health Grade of B (71/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Texas (FDIC cert 27074) is a mid-sized bank with $2.7B in total assets and $2.3B in deposits, based in Irving, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.01% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.07% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 16.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 4.69% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. State Bank of Texas carries a composite BankHealth grade of B (71/100) 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 Texas
- Total Assets
- $2.7B
- Total Deposits
- $2.3B
- Tier 1 Capital Ratio
- 14.01%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.07%
- Liquidity Ratio
- 16.13%
- Return on Assets
- 4.69%
- Headquarters
- Irving, Texas
- FDIC Certificate
- #27074
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Texas files quarterly Call Reports with the FDIC under Certificate #27074. 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 Texas holds a Tier 1 capital ratio of 14.01%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Texas has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Texas shows strong financial health indicators. With $2.7B in assets and a Health Score of 71/100, 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 Texas Compares
State Bank of Texas’s Health Score of 71 is 14 points below the Texas state average of 85 across 321 FDIC-insured banks. Its 14.01% Tier 1 capital ratio is 0.0 points above the US banking industry average near 14%. The 2.07% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 4.69% is in line with or above the national ROA benchmark of ~1.1%. Among 481 similarly-sized banks, the average Health Score is 77, meaning this bank ranks below its size cohort. Site-wide, State Bank of Texas is 9 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of Texas has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.01%, 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 Texas's Tier 1 capital ratio of 14.01% and nonperforming loan ratio of 2.07% 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 Texas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27074). 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 Texas holds $2.7B in total assets and $2.3B in total deposits. It is headquartered in Irving, Texas (FDIC Certificate #27074).
State Bank of Texas's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #27074 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 Texas has a Tier 1 capital ratio of 14.01%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.07%, and the return on assets is 4.69%.
Yes. State Bank of Texas is FDIC-insured (Certificate #27074). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Texas'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.