Spirit of Texas Bank, SSB

Spirit of Texas Bank, SSB

Overview / Commentary
625 University Drive
College Station, TX 77840

Spirit of Texas Bank, SSB is headquartered in College Station and is the 33rd largest bank in the state of Texas. It is also the 442nd largest bank in the nation. It was established in 1976 and as of June of 2019, it had grown to 338 employees at 26 locations. Spirit of Texas Bank, SSB has an A+ health rating.


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Health Grade Components

FDIC Certificate #22327
Year Established1976
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD11.22%
Annual Interest Income$43.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.90B$1.08B
LoansQ2 2019vs Q2 2018$1.41B$919.2MM
DepositsQ2 2019vs Q2 2018$1.57B$883.5MM
Equity CapitalQ2 2019vs Q2 2018$263.0MM$107.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$6.3MM$6.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$5.7MM$4.0MM
Real Estate OwnedQ2 2019vs Q2 2018$1.3MM$268.00K

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