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 355th largest bank in the nation. It was established in 1976 and as of March of 2021, it had grown to 377 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 - YTD1.41%
Return on Equity - YTD11.87%
Annual Interest Income$31.2MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$3.17B$2.54B
LoansQ1 2021vs Q1 2020$2.42B$2.01B
DepositsQ1 2021vs Q1 2020$2.62B$2.09B
Equity CapitalQ1 2021vs Q1 2020$374.2MM$341.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$16.3MM$7.6MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$9.9MM$7.7MM
Real Estate OwnedQ1 2021vs Q1 2020$0$3.7MM

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