State Bank of Texas

State Bank of Texas is headquartered in Dallas and is the 92^nd largest bank in the state of Texas. It is also the 1,263^rd largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 41 employees at 4 locations. State Bank of Texas' money market rates are 3X the national average, and it has a 4-star health rating.

State Bank of Texas Checking Account Rates

State Bank of Texas Savings Account Rates

State Bank of Texas Money Market Rates

State Bank of Texas CD Rates

State Bank of Texas IRA Rates

Data for Q1 2012

Institution Statistics State Bank of Texas FDIC Certificate # 27074 BankRate Report View Year Established 1987 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $535.45 million Loans $391.52 million Deposits $445.98 million Equity Capital $88.52 million Loan Loss Allowance $7.05 million Unbacked Noncurrent Loans $20.53 million Real Estate Owned $3.05 million Historic Data - March 2011 Assets $637.61 million Equity Capital $85.90 million Loan Loss Allowance $10.00 million Unbacked Noncurrent Loans $44.07 million Real Estate Owned $11.98 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 2.15% Return on Equity 13.2% Interest Income $6.55 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 State Bank of Texas had $23.58 million in non-current loans and owned real-estate with $95.57 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Texas a Texas Ratio of 24.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Texas decreased significantly from 59.02% as of March 31, 2011 to 24.67% as of March 31, 2012, resulting in a positive change of 58.20%.This indicates that the balance sheet and financial strength for State Bank of Texas has improved significantly in recent periods. Deposit Growth In the past year, State Bank of Texas has decreased its total deposits by -$74.66 million, resulting in -14.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth State Bank of Texas has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. State Bank of Texas has $535.45 million in assets with $95.57 million in equity, resulting in a capitalization level of 17.85%, which is excellent.

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