State Bank of De Kalb is a state-chartered bank headquartered in De Kalb, Texas, in business for about 89 years. At the end of Q2 2026 it reported $519.9M in total assets and $455.1M in deposits, with 7 offices.
State Bank of De Kalb has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 66th. Earnings contributes the most (100/100, 2.29%); funding & liquidity contributes the least (54/100, 83% loans-to-deposits, 36% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 79 |
| Q4 2025 | 81 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.07% |
| Q3 2024 | 11.44% |
| Q4 2024 | 11.55% |
| Q1 2025 | 11.65% |
| Q2 2025 | 11.68% |
| Q3 2025 | 11.82% |
| Q4 2025 | 11.91% |
| Q1 2026 | 11.92% |
| Q2 2026 | 12.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.13% |
| Q3 2024 | 2.04% |
| Q4 2024 | 2.00% |
| Q1 2025 | 2.25% |
| Q2 2025 | 2.31% |
| Q3 2025 | 2.32% |
| Q4 2025 | 2.35% |
| Q1 2026 | 2.17% |
| Q2 2026 | 2.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $519.9M | 12.17% | 0.24% | 2.29% | 83.5% |
| Q1 2026 | 81 | $521.1M | 11.92% | 0.29% | 2.17% | 79.1% |
| Q4 2025 | 81 | $491.4M | 11.91% | 0.29% | 2.35% | 85.0% |
| Q3 2025 | 79 | $485.4M | 11.82% | 0.41% | 2.32% | 85.9% |
| Q2 2025 | 81 | $472.4M | 11.68% | 0.14% | 2.31% | 86.9% |
| Q1 2025 | 82 | $461.6M | 11.65% | 0.13% | 2.25% | 87.4% |
| Q4 2024 | 80 | $436.4M | 11.55% | 0.23% | 2.00% | 91.1% |
| Q3 2024 | 80 | $457.5M | 11.44% | 0.17% | 2.04% | 87.0% |
| Q2 2024 | 80 | $454.9M | 11.07% | 0.17% | 2.13% | 82.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Brenham National BankBank Brenham, TX | 69 out of 100, Moderate | $517.7M | 11.8% | 1.54% | vs |
| Citizens State BankBank Woodville, TX | 44 out of 100, Below average | $511.4M | 13.2% | 3.10% | vs |
| Texas Republic Bank, National AssociationBank Frisco, TX | 71 out of 100, Strong | $510.6M | 13.3% | 1.06% | vs |
| Citizens State BankBank Sealy, TX | 76 out of 100, Strong | $507.0M | 10.3% | 0.00% | vs |
| Colonial Savings, F.A.Bank Fort Worth, TX | 76 out of 100, Strong | $501.8M | 46.1% | 0.38% | vs |
| The First National Bank of MertzonBank Mertzon, TX | 90 out of 100, Very strong | $500.3M | 15.7% | 0.00% | vs |
Deposit insurance
Is my money safe at State Bank of De Kalb?
Yes. State Bank of De Kalb is an FDIC-insured institution (FDIC certificate #15463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.8% of deposits ($162.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
State Bank of De Kalb lists 7 offices in 6 cities. Most locations:
- Texarkana, TX (2)
- Atlanta, TX (1)
- Clarksville, TX (1)
- De Kalb, TX (1)
- Nash, TX (1)
- New Boston, TX (1)
Identity & history
Profile
- Legal name
- State Bank of De Kalb
- Type
- State-chartered bank
- FDIC certificate #
- 15463
- RSSD ID
- 621357
- Primary regulator
- FDIC
- Established
- February 19, 1937
- Headquarters
- 102 S Runnels St, De Kalb, TX 75559
- Website
- www.statebankofdekalb.com
- Employees
- 90
Quick answers
State Bank of De Kalb: common questions
Is State Bank of De Kalb FDIC insured?
Yes. State Bank of De Kalb is an FDIC-insured institution (FDIC certificate #15463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of De Kalb's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of De Kalb ever failed?
There is no failure record for FDIC certificate #15463 in the FDIC failed bank list.
How many branches does State Bank of De Kalb have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near De Kalb
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Texar Federal Credit UnionCredit union Texarkana, TX | 81 out of 100, Strong | $440.5M | 16.4% | 0.72% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Red River Employees Federal Credit UnionCredit union Texarkana, TX | 77 out of 100, Strong | $1.6B | 13.9% | 0.94% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |