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Spirit of Texas Bank, SSB

Our records indicate that this bank has been acquired by Simmons Bank.


Spirit of Texas Bank, SSB is an FDIC insured institution headquartered at 625 University Drive, College Station, TX 77840.
It was founded in 1976 and has approximately $3 billion in assets. Customers can open an account at one of its 15 branches.

Deposit Rates - July 14, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.50% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
6 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.75% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.75% $100,000 Compare
18 Mo CD
0.55% $10,000 Compare
18 Mo CD
0.80% $10,000 Compare
18 Mo CD
0.55% $100,000 Compare
18 Mo CD
0.80% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.80% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.80% $100,000 Compare
30 Mo CD
0.65% $10,000 Compare
30 Mo CD
0.65% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.90% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
36 Mo CD
0.90% $100,000 Compare
48 Mo CD
0.80% $10,000 Compare
48 Mo CD
1.00% $10,000 Compare
48 Mo CD
0.80% $100,000 Compare
48 Mo CD
1.00% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
1.11% $10,000 Compare
60 Mo CD
0.90% $100,000 Compare
60 Mo CD
1.11% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.20% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.15% $25,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22327
Date Established 1976
Assets $ 3.26 billion
Loans $ 2.36 billion
Deposits $ 2.81 billion
Capital $ 360.62 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 241.24 million
Interest-bearing balances $ 133.87 million
Total securities $ 384.72 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.36 billion
Loan loss allowance $ 17.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 83.92 million
All other assets $ 66.68 million
     Total Assets $ 2.86 billion

LIABILITIES
Total deposits $ 2.81 billion
      Interest-bearing deposits $ 1,916.61 million
      Deposits held in domestic offices $ 2.81 billion
      % insured (estimated)" 54.53%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 37.68 million
Subordinated debt N.A.
All other liabilities $ 17.50 millionn
      Total Liabilities $ 2.86 billion
      Shareholders’ Equity $ 402.90 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 30.28 million
Total Interest Expense $ 1.60 million
Net interest income $ 28.69 million
Provision for loan and lease losses $ 1.50 million
Total non interest income $ 7.98 million
Total non interest expense $ 19.83 million
Pre-tax Net Operating Income $ 15.34 million

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