State Bank of Texas
Irving, Texas, Dallas County
$2.6B in total assets, the 502nd largest of 4,309 US banks and 42nd of 352 headquartered in Texas.
- FDIC certificate
- 27074
- Established
- 1987
- Owned by
- Sbt Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.sbt.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.6B | 64% | $2.2B | |
| Loans | $2.1B | 77% | $1.3B | |
| Deposits | $2.1B | 62% | $1.7B | |
| Return on assets | 4.08% | 98% | 1.53% | |
| Net interest margin | 5.33% | 97% | 3.95% | |
| Efficiency ratio | 21.4% | 3% | 57.5% | |
| Equity to assets | 16.43% | 96% | 10.59% | |
| Loans to deposits | 98% | 90% | 80% |
Growth
Total assets grew 18.2% a year over the last 5 years and 14.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2017 | Seaway Bank and Trust Company Chicago, IL | $298M |
| Oct 2014 | The National Republic Bank of Chicago Chicago, IL | $843M |
| Jul 2009 | Millennium State Bank of Texas Dallas, TX | $119M |
| Mar 1990 | First National Bank of Garland Garland, TX | $9M |
Where they operate
7 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dallas County, TX | $1.6B | 0.5% | 17 of 109 |
| Cook County, IL | $315M | 0.1% | 58 of 90 |
| Harris County, TX | $186M | 0.1% | 51 of 87 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (5 to 7, +40.0%). 1 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2017 | Acquired Seaway Bank and Trust Company | 1 | 0 | +1 | 6 |
| 2020 | Opened Houston | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 92% | 38% | |
| Construction and land | 7% | 13% | |
| Business (C&I) | 1% | 15% | |
| 1-4 family residential | 0% | 20% | |
| Consumer | 0% | 2% | |
| Farmland | 0% | 3% | |
| Multifamily | 0% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 56% | 26% | |
| Other interest-bearing | 39% | 48% | |
| Noninterest-bearing | 5% | 26% |
Brokered deposits are 9.0% of deposits (peers 4.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.16% | 0.42% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 1.02% | 1.20% |
| Leverage ratio | 15.71% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Dallas County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/state-bank-texas-irving-tx