The State Bank of Texas

The State Bank of Texas is headquartered in Houston and is the 302^nd largest bank in the state of Texas. It is also the 3,820^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 31 employees at 2 locations. The State Bank of Texas has a 2-star health rating.

The State Bank of Texas Checking Account Rates

The State Bank of Texas Savings Account Rates

The State Bank of Texas Money Market Rates

The State Bank of Texas CD Rates

The State Bank of Texas IRA Rates

Data for Q1 2012

Institution Statistics The State Bank of Texas FDIC Certificate # 24109 BankRate Report View Year Established 1982 Employees 31 Primary Regulator FED Assets and Liabilities Assets $153.42 million Loans $71.36 million Deposits $139.25 million Equity Capital $13.77 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $195,000 Real Estate Owned $4.39 million Historic Data - March 2011 Assets $154.42 million Equity Capital $13.63 million Loan Loss Allowance $891,000 Unbacked Noncurrent Loans $2.67 million Real Estate Owned $612,000 Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets -0.36% Return on Equity -4.15% Interest Income $1.38 million

Institution Health Overall Score: 2 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 The State Bank of Texas had $4.59 million in non-current loans and owned real-estate with $14.43 million in equity and loan loss allowances on hand to cover it. This gives The State Bank of Texas a Texas Ratio of 31.80% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The State Bank of Texas increased slightly from 22.61% as of March 31, 2011 to 31.80% as of March 31, 2012, resulting in a negative change of 40.65%. This indicates that the balance sheet and financial strength for The State Bank of Texas has declined slightly in recent periods. Deposit Growth In the past year, The State Bank of Texas has decreased its total deposits by -$1.23 million, resulting in -0.88% 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 The State Bank of Texas has shown is average. 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. The State Bank of Texas has $153.42 million in assets with $14.43 million in equity, resulting in a capitalization level of 9.40%, which is average.

No reviews have been left for this bank yet. Be the first to review.