State Bank of Texas (FDIC certificate #27074) is based in Irving, Texas. Its Q2 2026 call report shows $2.6B in total assets and $2.1B in deposits and 7 offices across 2 states.
Based on its Q2 2026 filing, State Bank of Texas scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 171st. Its strongest component is capital cushion (100/100; 15.71%), and its lowest is loan quality (28/100; 2.16%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the problem-loan coverage component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 80 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.01% |
| Q3 2024 | 13.78% |
| Q4 2024 | 14.17% |
| Q1 2025 | 13.82% |
| Q2 2025 | 14.59% |
| Q3 2025 | 15.40% |
| Q4 2025 | 14.69% |
| Q1 2026 | 14.73% |
| Q2 2026 | 15.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.07% |
| Q3 2024 | 2.55% |
| Q4 2024 | 2.57% |
| Q1 2025 | 2.48% |
| Q2 2025 | 2.44% |
| Q3 2025 | 2.39% |
| Q4 2025 | 2.20% |
| Q1 2026 | 1.24% |
| Q2 2026 | 2.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.66% |
| Q3 2024 | 4.60% |
| Q4 2024 | 4.00% |
| Q1 2025 | 4.07% |
| Q2 2025 | 4.05% |
| Q3 2025 | 4.14% |
| Q4 2025 | 3.98% |
| Q1 2026 | 3.94% |
| Q2 2026 | 4.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $2.6B | 15.71% | 2.16% | 4.24% | 96.8% |
| Q1 2026 | 80 | $2.8B | 14.73% | 1.24% | 3.94% | 99.3% |
| Q4 2025 | 71 | $2.8B | 14.69% | 2.20% | 3.98% | 99.9% |
| Q3 2025 | 71 | $2.8B | 15.40% | 2.39% | 4.14% | 97.6% |
| Q2 2025 | 69 | $2.8B | 14.59% | 2.44% | 4.05% | 97.0% |
| Q1 2025 | 65 | $2.8B | 13.82% | 2.48% | 4.07% | 96.7% |
| Q4 2024 | 65 | $2.8B | 14.17% | 2.57% | 4.00% | 99.3% |
| Q3 2024 | 64 | $2.8B | 13.78% | 2.55% | 4.60% | 98.7% |
| Q2 2024 | 70 | $2.7B | 14.01% | 2.07% | 4.66% | 94.7% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Wells Fargo Bank South Central, National AssociationBank Houston, TX | 80 out of 100, Strong | $2.6B | 29.7% | 1.24% | vs |
| Extraco Banks, National AssociationBank Temple, TX | 70 out of 100, Strong | $2.6B | 8.7% | 0.04% | vs |
| Horizon Bank, SSBBank Austin, TX | 72 out of 100, Strong | $2.6B | 9.0% | 0.00% | vs |
| Community National BankBank Midland, TX | 70 out of 100, Strong | $2.5B | 12.7% | 1.66% | vs |
| American National Bank & TrustBank Wichita Falls, TX | 61 out of 100, Moderate | $2.5B | 10.2% | 0.88% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
Deposit insurance
Is my money safe at State Bank of Texas?
Yes. State Bank of Texas is an FDIC-insured institution (FDIC certificate #27074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($354.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.71%, 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 Texas lists 7 offices in 5 cities across 2 states. Most locations:
- Chicago, IL (2)
- Irving, TX (2)
- Garland, TX (1)
- Houston, TX (1)
- Richardson, TX (1)
Identity & history
Profile
- Legal name
- State Bank of Texas
- Type
- State-chartered bank
- FDIC certificate #
- 27074
- RSSD ID
- 1157415
- Primary regulator
- FDIC
- Holding company
- Sbt Bancshares Inc
- Established
- October 19, 1987
- Headquarters
- 111 W John Carpenter Frwy, Irving, TX 75039
- Website
- www.sbt.bank
- Employees
- 97
Quick answers
State Bank of Texas: common questions
Is State Bank of Texas FDIC insured?
Yes. State Bank of Texas is an FDIC-insured institution (FDIC certificate #27074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Texas's TellerScore?
74 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 Texas ever failed?
There is no failure record for FDIC certificate #27074 in the FDIC failed bank list.
How many branches does State Bank of Texas have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Irving
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |