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 30th largest bank in the state of Texas. It is also the 351st largest bank in the nation. It was established in 1976 and as of December of 2020, it had grown to 386 employees at 41 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 - YTD1.25%
Return on Equity - YTD9.91%
Annual Interest Income$123.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$3.09B$2.38B
LoansQ4 2020vs Q4 2019$2.38B$1.76B
DepositsQ4 2020vs Q4 2019$2.48B$1.93B
Equity CapitalQ4 2020vs Q4 2019$368.9MM$336.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$16.0MM$6.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$8.6MM$6.5MM
Real Estate OwnedQ4 2020vs Q4 2019$133.00K$3.7MM

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