# STATE BANK OF TEXAS
HOUSTON, TX · FDIC certificate 24109 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $176.7M | |
| Deposits | $161.7M | |
| Loans and leases | $86.1M | |
| Total equity | $14.5M | |
| Loans / deposits | 52.88% (p20 of band) | 73.48% |
| Liquid assets / assets | 49.14% (p79 of band) | |
| Uninsured deposits / deposits | 64.14% (p100 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.19% (p7 of band) | 10.87% |
| Unrealized securities loss / equity | -1.38% (p30 of band) | -0.29% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -3.17% (p1 of band) | 0.83% |
| Net interest margin | 2.42% (p6 of band) | 3.63% |
| Efficiency ratio | 289.82% (p100 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 46% | |
| Construction % of loans | 114.93% (p96 of band) | |
| Auto loans | $1.1M (1.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | uninsured deposits >50%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 2 |  | construction >100% equity |
| 2012-03 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | uninsured deposits >50% |
| 2013-03 | 1 | uninsured deposits >50% | losing money, expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | construction >100% equity |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 5 | losing money, expense ratio p90, NIM <2.5% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-02 [Chan Patel’s State Bank of Texas is the latest target of online hate - Diya TV](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNUpqeFhfZTlPVWREVjFwMEJoVHpEaUZvQ0lJZVp0YVhRUGVGV0xTQmFTdVZVdWU0eVcyakZjeVA4MUpiT05zcGVHX1l0OEZVemQtVmdqNTNXcG9CNFlPeHpvWTdKdVI5aHBhazM5ajVGM2w3THZINlppMEJlTkdNb2lUUmNpaGJwT2NTNWtEN0VCTUhW?oc=5) · Diya TV
- 2026-01-01 [Viral post claims Indian-origin Chan Patel's State Bank of Texas only serves Indians; social media asks 'where is the fraud?' - The Times of India](https://news.google.com/rss/articles/CBMimwJBVV95cUxOY2p4eWdtbFIwZmk2TEQ2YlZRSjV4R0I4TGdMejA0VDh0alRCMnZ1MzBiUnNzR2YwVk9UZ3hhWXZmMmY3bmtZenFhVzlnN0RkVEszUDAtRUdDTUNoMmEzbzA0YkVIcDR3TkxzVDFLc013ZjV3VWZNMkFvN1Z4SlUtU2M3Z0ltSmV5TFE4ZlgzM0Z2VmZEQVJna2dSOHU4SFJJZ1Z0NGRUY21LT185aXYwanR0TkZaamdMYTcyUVV6SmpjOUhLSGQ3QVZjWlVMbDZGS1NvUmJuVFc3VG9DeGZETTdDb1NRVFVtd0prYVBycHdmNlNHVGVRcTVYY1ZGUFQ0VkJCNUZmSkRLV3RHRmtaZHNvRldTZ2wyRjNF?oc=5) · The Times of India
- 2026-05-12 [Banking legend Carlos Vacek dies at 89 - The Record Newspapers](https://news.google.com/rss/articles/CBMiowFBVV95cUxNODNOQ2ZscG9GWEdESmtZcHNoNXZmc2dFVmdxQ0xEOC1DNXNTaUZjRlRySDFaMTBuSHpSckFaalVJX1d5S1prSmR4ZTcyaWdBQ1NsUlVzRXRudVZIc1FFNHNod0pRejdmcmdvLUdCWkxCZl9TTno2TmpLQnlRN1pwQ3UzTjBTZ3l0MXUxbTNWQUdESDMxeXZ6Q0JscFQ0b2ppcVNN?oc=5) · The Record Newspapers
- 2026-02-06 [East Bay hotel is foreclosed as Bay Area hospitality industry totters - The Mercury News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdkJfUzJ3UGNfYUF3ZEJpZldPRlZoMTNQVXJ4aHlrXzk5RGd6V2NiZTFwSlNSNkQ3M3czWVRkb3loU19WQXFmTXRBSXpCRWI5cmYzUFBxcVRPS0M3T2wzUEp1TDY1dUJybEVDVnlWQjlKSF9sZmxmQjJidVpsZGVEa1BRRlVSWV9VNWVuWWVhQlNxR29GZm1JX3NwU1ptVlk4V2VST1V3cDZEQdIBrwFBVV95cUxQZXAtcUcxUUZQQTlrOV9BTTVXV1l3SlBOYmhxRjRpSWp2SFRFQ2hfZXBBMjZmY0trcnAxQXhGZVdkNU5jdGNpeFhQaGg0SmFHMzRVUlhBdFNfWlJmdlIwWEIydlU0MEpRREEtMkNHVUpMSVZhNU1qajBFUG4xS3Uyc1VRaExuWXRzSGdqdFo3QUEyMDlydUhWQjFvRjk4R1JwdmstRUVxX0NrdmFoUWRv?oc=5) · The Mercury News
- 2021-03-15 [State Bank of Texas to Build New Headquarters in Las Colinas - Business Wire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQcEtRZjNVNEVZeEtydEJocFhYaTlDOTVKN01DcmZyVmhJMU94T2xRRE1DWGZDMFJGMDdpdWFQb3lkYmxUdjc5VHlxcVB1SmVKUXRUdnRKUTI3VzNLRVl3THp0TTM3UUtoUmZiVjhOMDdKdG9DVWNxajZPOHR1VFNsbUo1Wk5WTkNtQTZpbktXN1VxNW5HUDFZZGNIcTQ0R2FQSExMWXhXamJITWZLLTYzLVdzRDV6NWxG?oc=5) · Business Wire
- 2023-08-31 [DFW Bank Snapshot: Take a closer look at State Bank of Texas - The Business Journals](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZVpyTGh1cERjNXFwSkQ4RGtscmE4OVpVcVlSR0prWEVmd2xaTFdWTmNVZE11VFE5MFJYbENqV0xwekpiaDdmNjVtRzZDMkVyNnY4bnJveTRrcThybG04VUxnSlNmbWdVcHFZNnJSb0F5eUk0SldVQ3FWN25tRlJYaw?oc=5) · The Business Journals
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2022-11-20 [State Bank of Texas to Build New Headquarters in Las Colinas - Associated Construction Publications](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZEQxWUV0bGlXUHVnOWMwbW4zeG40bERBTkVKeDBVYnRTc0dRSXlLZkRpc2Zma09faHZxQlpwTUFPM08yUERjUE5Da1RtWmhzZUNWLVVEOTBGTVp4dkNWbnFqd1pJT0VTMm5GWVRZY2c5WFdBamVfbzMtellWYjVLR21lVkFHMkE2T2U3cjY1N1AwaEZHazJ6SXB1UVZZRXZxeno0?oc=5) · Associated Construction Publications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24109 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "24109", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide