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State Bank of De Kalb

$100M-$1B Specialty: Commercial TX FDIC cert 15463

De Kalb, TX

7 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +9.7% year over year ($455.1M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 2.29%.
  • Efficiency ratio 54.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

State Bank of De Kalb has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 31.0% in tier
  • + Return on Assets 0.97% above tier average
  • + Net Interest Margin 0.76% above tier average
  • + Efficiency Ratio 10.47% below tier average
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 20.0% in tier
  • - Credit Quality Pressure: Bottom 20.9% in tier
Get updates when State Bank of De Kalb releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $519.9M
+10.1% YoY -0.2% QoQ
+$133.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $379.9M
+5.4% YoY +4.8% QoQ
+$121.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $455.1M
+9.7% YoY -0.7% QoQ
+$128.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 2.29%
-1.1% YoY +5.4% QoQ
+0.97% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 7.2% in tier
Net Interest Margin ? 4.75%
-4.4% YoY +0.1% QoQ
+0.76% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 12.9% in tier
Efficiency Ratio ? 54.01%
-1.1% YoY -2.6% QoQ
-10.47% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.24%
+69.8% YoY -17.2% QoQ
-0.68% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 83.46%
-3.9% YoY +5.5% QoQ
+5.51% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 25.93%
+7.5% YoY +6.1% QoQ
+3.90% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.18%
+62.7% YoY -13.0% QoQ
-0.49% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 12.17%
+4.1% YoY +2.1% QoQ
-3.74% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.39%
+2.9% YoY +121.7% QoQ
-0.18% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 25.9%
+1.8pp YoY
+1.5pp QoQ
 +3.8pp 22.1% 29.2% 22.2% 69%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 22.5%
-2.1pp YoY
-1.1pp QoQ
 +11.0pp 11.6% 14.8% 12.5% 91%
CRE 36.1%
+4.7pp YoY
+0.9pp QoQ
 -3.5pp 39.5% 48.4% 41.4% 45%
1-4 Family 23.8%
-1.0pp YoY
-0.6pp QoQ
 -8.8pp 32.6% 25.8% 31.3% 39%
Consumer 2.1%
-0.3pp YoY
-0.2pp QoQ
 -2.0pp 4.1% 4.7% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.2%
+0.5pp YoY
+0.2pp QoQ
 0.0pp 12.2% 12.6% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 90
+1 (+1.1%) YoY
-3 (-3.2%) QoQ
 +31 58 186 482 82%
Assets per Employee ($) $5.8M
+8.8% YoY
+3.1% QoQ
 -$1.7M $7.5M $10.1M $8.8M 29%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 11%
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 33%
Allowance Coverage 6.45x
-39.5% YoY
+19.8% QoQ
 -17.71x 24.15x 18.82x 20.23x 75%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 19.3%
-0.3pp YoY
+0.9pp QoQ
 +7.1pp 12.2% 13.2% 11.6% 86%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 34%
Net Income ($, YTD) $5.8M
+10.6% YoY
— QoQ
 +$3.3M $2.6M $15.9M $40.4M 91%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#206 of 661 • Top 31.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.39%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.29%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#188 of 936 • Bottom 20.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#264 of 1256 • Bottom 20.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

192
Return on Assets
profitability
Value: 2.29%
Peer Median: 1.32%
#192 of 2643 Top 7.2% in $100M-$1B
343
Net Interest Margin
profitability
Value: 4.75%
Peer Median: 3.99%
#343 of 2643 Top 12.9% in $100M-$1B
414
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#414 of 2643 Top 15.6% in $100M-$1B
608
Total Loans
size
Value: $379.88M
Peer Median: $258.35M
#608 of 2643 Top 23.0% in $100M-$1B
651
Total Deposits
size
Value: $455.14M
Peer Median: $326.73M
#651 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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