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State Bank of Texas


State Bank of Texas is an FDIC insured institution headquartered at 111 W John Carpenter Frwy, Irving, TX 75039.
It was founded in 1987 and has approximately $3 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - July 26, 2026

CD RATES APY MIN
12 Mo CD
4.05% $50,000 Compare
MM RATES APY MIN
Money Market
3.76% $100,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27074
Date Established 1987
Assets $ 2.77 billion
Loans $ 2.24 billion
Deposits $ 2.24 billion
Capital $ 407.27 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 259.58 million
Interest-bearing balances $ 224.32 million
Total securities $ 165.33 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.24 billion
Loan loss allowance $ 23.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 27.33 million
Goodwill and other intangibles N.A.
All other assets $ 39.80 million
     Total Assets $ 2.37 billion

LIABILITIES
Total deposits $ 2.24 billion
      Interest-bearing deposits $ 2.13 billion
      Deposits held in domestic offices $ 2.24 billion
      % insured (estimated)" 83.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 80.00 million
Subordinated debt N.A.
All other liabilities $ 5.13 millionn
      Total Liabilities $ 2.37 billion
      Shareholders’ Equity $ 407.27 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 237.33 million
Total Interest Expense $ 98.24 million
Net interest income $ 139.09 million
Provision for loan and lease losses $ 3.57 million
Total non interest income $ 4.15 million
Total non interest expense $ 28.77 million
Pre-tax Net Operating Income $ 28.86 million


*Should any logos, images or public notes appear on this page,they do so courtesy of State Bank of Texas and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.

Customer Reviews for State Bank of Texas (2)

Rated 1.00 stars out of 5 - based on 2 reviews

  • January 8, 2022 |

    This is misleading to list this on this site. The account cannot be easily opened online. Wouldn't mess with it unless I were playing with millions anyway. And, then I wouldn't mess with it because who knows whether it is a safe bank. Just not worth the extra hassles. They don't even answer the phone.

  • September 19, 2021 |

    Big name to inspire confidence, but a little poorly run bank behind it. I wasted my time trying to squeeze a few extra pennies out of my dollars. Not worthwhile to chase this one, especially after considering after-tax benefit and endless amounts of time trying to get answers to simple questions.

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