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State Bank of Texas
Irving, TX·FDIC Cert #27074·Charter: STATE·Est. 19871019.0·HC: SBT BANCSHARES INC
Total Assets
$2.8B
Q4 2025
Return on Assets
3.98%
-0.16%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
20.09%
Peer avg: 58.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
3.98%-0.16
ROE
27.61%-1.28
Efficiency
20.09%+0.57
Equity/Assets
0.00%+0.00
NPL Ratio
2.23%-0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.93%+2.31
Charge-offs
0.29%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 4.7 | 4.7 | 4.6 | 4.0 | 4.1 | 4.0 | 4.1 | 4.0 |
| ROE | 34.1 | 33.6 | 33.4 | 28.9 | 29.5 | 28.9 | 28.9 | 27.6 |
| Efficiency | 17.0 | 17.3 | 17.5 | 17.6 | 19.4 | 20.0 | 19.5 | 20.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 2.1 | 2.6 | 2.6 | 2.5 | 2.5 | 2.4 | 2.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.5 | 0.0 | 0.2 | 0.2 | 0.3 |
| Loan/Deposit | 93.9 | 94.7 | 98.7 | 99.3 | 96.7 | 97.0 | 97.6 | 99.9 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.2B
Total Loans$2.2B
Total Equity$407.3M
Profitability
ROA3.98%
ROE27.61%
Efficiency Ratio20.09%
Net Income$110.7M
Risk & Asset Quality
NPL Ratio2.23%
Charge-off Rate0.29%
Loan/Deposit99.93%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans