State Bank Of De Kalb (FDIC #15463): Bank Stress & Real-Estate Credit Exposure
State Bank Of De Kalb (FDIC Cert #15463): bank stress 38/100, contained, STABLE over 7 days.
State Bank Of De Kalb (#15463) lends in 3 counties across 1 state; State Bank Of De Kalb (#15463) reaches 32 ZIP codes: Texas 3 counties, 32 ZIPs.
State Bank Of De Kalb (#15463) largest markets: Cass County, TX (15 branches, 15 ZIPs) (#15463), Bowie County, TX (50 branches, 10 ZIPs) (#15463), Red River County, TX (9 branches, 9 ZIPs) (#15463).
State Bank Of De Kalb (#15463) reports $519.9 million in total assets; State Bank Of De Kalb (#15463) equity $62.3 million (12.0% of State Bank Of De Kalb (#15463) assets); State Bank Of De Kalb (#15463) domestic deposits $455.1 million; State Bank Of De Kalb (#15463) net income $5.8 million; State Bank Of De Kalb (#15463) return on assets 2.29%; State Bank Of De Kalb (#15463) return on equity 19.33%; State Bank Of De Kalb (#15463) net interest income $11.7 million; State Bank Of De Kalb (#15463) call report June 30, 2026.
State Bank Of De Kalb (#15463) noncurrent real-estate loans: none reported; State Bank Of De Kalb (#15463) residential -0.03%; State Bank Of De Kalb (#15463) net charge-offs on real estate 0.32%; State Bank Of De Kalb (#15463) residential charge-offs 0.94%.
State Bank Of De Kalb (#15463) net interest margin 4.75% against an eight-quarter State Bank Of De Kalb (#15463) average of 4.80% (State Bank Of De Kalb (#15463) compression 0.06 points); State Bank Of De Kalb (#15463) non-residential real estate 94.2% of equity; State Bank Of De Kalb (#15463) rate-exposure score 40/100, State Bank Of De Kalb (#15463) fixed-rate trap 40/100; State Bank Of De Kalb (#15463) risk type rate trapped; State Bank Of De Kalb (#15463) rate regime rates elevated, State Bank Of De Kalb (#15463) snapshot October 20, 2026.
State Bank Of De Kalb (#15463) stress score moved from 40.2 on June 22, 2026 to 37.8 on October 20, 2026; State Bank Of De Kalb (#15463) ranged 37.8 to 40.2 over 117 snapshots.
State Bank Of De Kalb (#15463) alerts: 3 counties; top State Bank Of De Kalb (#15463) alert scores: Atlanta County, TX 15 (low); Clarksville County, TX 15 (low); Texarkana County, TX 15 (low).