State Bank Of Texas (FDIC #27074): Bank Stress & Real-Estate Credit Exposure

State Bank Of Texas (FDIC Cert #27074): bank stress 17/100, contained, STABLE over 7 days; parent SBT BANCSHARES INC.

State Bank Of Texas (#27074) lends in 3 counties across 2 states; State Bank Of Texas (#27074) reaches 416 ZIP codes: Texas 2 counties, 238 ZIPs; Illinois 1 county, 178 ZIPs.

State Bank Of Texas (#27074) largest markets: Cook County, IL (356 branches, 178 ZIPs) (#27074), Harris County, TX (143 branches, 143 ZIPs) (#27074), Dallas County, TX (380 branches, 95 ZIPs) (#27074).

State Bank Of Texas (#27074) reports $2.59 billion in total assets; State Bank Of Texas (#27074) equity $425.0 million (16.4% of State Bank Of Texas (#27074) assets); State Bank Of Texas (#27074) domestic deposits $2.14 billion; State Bank Of Texas (#27074) net income $57.4 million; State Bank Of Texas (#27074) return on assets 4.24%; State Bank Of Texas (#27074) return on equity 27.93%; State Bank Of Texas (#27074) net interest income $68.4 million; State Bank Of Texas (#27074) call report June 30, 2026.

State Bank Of Texas (#27074) noncurrent real-estate loans: none reported; State Bank Of Texas (#27074) net charge-offs on real estate 2.18%; State Bank Of Texas (#27074) residential charge-offs 2.34%.

State Bank Of Texas (#27074) net interest margin 5.33% against an eight-quarter State Bank Of Texas (#27074) average of 5.29% (State Bank Of Texas (#27074) compression -0.05 points); State Bank Of Texas (#27074) non-residential real estate 234.4% of equity; State Bank Of Texas (#27074) rate-exposure score 40/100, State Bank Of Texas (#27074) fixed-rate trap 40/100; State Bank Of Texas (#27074) risk type rate trapped; State Bank Of Texas (#27074) rate regime rates elevated, State Bank Of Texas (#27074) snapshot October 20, 2026.

State Bank Of Texas (#27074) stress score moved from 22.6 on June 22, 2026 to 16.6 on October 20, 2026; State Bank Of Texas (#27074) ranged 16.6 to 22.6 over 117 snapshots.

State Bank Of Texas (#27074) alerts: 3 counties; top State Bank Of Texas (#27074) alert scores: Houston County, TX 15 (low); Chicago County, TX 10 (low); Richardson County, TX 10 (low).