# STATE BANK OF TEXAS
IRVING, TX · FDIC certificate 27074 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $2.59B | |
| Deposits | $2.14B | |
| Loans and leases | $2.09B | |
| Total equity | $425.0M | |
| Loans / deposits | 96.80% (p79 of band) | 87.10% |
| Liquid assets / assets | 16.31% (p29 of band) | |
| Uninsured deposits / deposits | 16.58% (p11 of band) | 30.76% |
| Brokered deposits | 7.44% | |
| Wholesale funding | 7.44% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.71% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -0.61% (p91 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 4.24% (p98 of band) | 1.26% |
| Net interest margin | 5.33% (p97 of band) | 3.70% |
| Efficiency ratio | 21.41% (p2 of band) | |
| Noncurrent loans | 2.16% (p92 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 47.24% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 34.07% (p35 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 4 | loans exceed deposits |  |
| 2011-12 | 2 |  | construction >100% equity, loans exceed deposits |
| 2012-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 4 | loans exceed deposits |  |
| 2014-03 | 3 |  | loans exceed deposits |
| 2014-06 | 3 | loans exceed deposits | reserve under noncurrent |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, loans exceed deposits |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 1 |  | noncurrent p90, capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | loans exceed deposits, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2016-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 0 |  | loans exceed deposits, deposits shrinking, assets shrinking, noncurrent p90, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, reserve under noncurrent |  |
| 2017-06 | 2 | loans exceed deposits | capital falling |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 4 | noncurrent p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-06 | 2 |  | deposits shrinking, assets shrinking |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2019-12 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2020-03 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 3 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |  |
| 2020-09 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2021-09 | 2 | capital falling, reserve under noncurrent |  |
| 2021-12 | 0 |  | capital falling, reserve under noncurrent |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | capital falling | charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | charge-offs p90 |  |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | noncurrent p90 |
| 2026-06 | 4 | noncurrent p90, deposits shrinking, assets shrinking | uninsured deposits leaving |

## 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=27074 (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/2.json (key "27074", 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