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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

State Bank of Texas

Irving, Texas · $2.59B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

98.8%
CRE / loans
12th of 12
4.22%
ROA
1st of 12
483.8%
CRE / capital
12th of 12

State Bank of Texas is the fifth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.59B in assets at 30 June 2026. Loans are 97.8% of deposits, 10th of 12 against a median of 78.6%, and equity is 16.4% of assets, 3rd of 12. Loans grew -7.0% in the year, 11th of 12, and deposits fell 6.8%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 2.16% of the book, 11th of 12 against a median of 0.58%; 2.02% is 30 to 89 days past due, and the allowance covers them 0.5 times. Commercial real estate is 98.8% of loans, the highest in the cohort against a median of 37.7%, and 484% of capital, above the 300% screen, with construction at 34% against the 100% screen.

Return on assets is 4.22%, the highest in the cohort against a median of 1.67%, on an efficiency ratio of 21.4%, 2nd of 12. Five years ago it was 3.58%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 0.1% of loans).

Commercial real estate, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 37.7% WF Wells Fargo Bank S Central N.A. 0.0% EB Extraco Banks National Association 25.7% T Texasbank 35.3% JB Jefferson Bank 35.5% CN Community National Bank 35.8% FU First United Bank 37.4% HB Horizon Bank SSB 38.0% TF Texas First Bank 43.3% AM American Momentum Bank 47.3% AN American National Bank & Trust 56.0% PB Pinnacle Bank 57.5% SB State Bank of Texas 98.8%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.6% T Texasbank +9.2% AN American National Bank & Trust +8.0% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

State Bank of Texas is the 243rd largest 7(a) lender into Texas of 706, with $16M across 28 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 27 of its 28 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$5M134th of 3140.1%quiet FY2008
Rockland, NY$4M33rd of 1120.6%quiet FY2021
Greenville, SC$4M43rd of 1250.5%quiet FY2021
Mobile, AL$3M26th of 981.2%quiet FY2022
Harris, TX$3M164th of 3140.0%quiet FY2008
Tarrant, TX$3M160th of 2810.1%quiet FY2008
Cook, IL$2M170th of 2820.0%quiet FY2015
Milwaukee, WI$2M75th of 1440.1%quiet FY2010
Montgomery, AL$2M37th of 910.6%quiet FY2022
Pulaski, AR$1M59th of 1100.3%quiet FY2021
Amelia, VA$1M3rd of 1116.3%quiet FY2021
Coffee, GA$1M14th of 271.1%quiet FY2021
Dupage, IL$1M114th of 1880.1%quiet FY2010
15 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services22$26M59.2%0.03%337th of 2,596
Retail trade10$6M13.2%0.01%660th of 2,589
Other services9$5M12.3%0.02%515th of 2,248
Wholesale trade2$2M3.5%0.01%764th of 1,651
Construction2$1M3.3%0.00%1053rd of 2,063
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and State Bank of Texas
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans SB State Bank of Texas 0.0% $16M · 28 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, State Bank of Texas among them; owner-occupied excluded; bold marks a screen met
State Bank of TexasRankCohort median
Total CRE against capital, the 300% screen484%12th of 12235%
Construction against capital, the 100% screen34%2nd of 1267%
Construction and land development, share of loans6.9%2nd of 1212.1%
Non-owner-occupied nonfarm nonresidential, share of loans91.9%12th of 1220.6%
Total CRE, the guidance definition, share of loans98.8%12th of 1237.7%
CRE growth over 36 months, the third prong+19.3%6th of 12+19.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
State Bank of TexasCohort median
20212026Change20212026Change
Loans$909M$2.09B+130%$1.05B$1.81B+73%
Deposits$926M$2.14B+131%$1.66B$2.16B+30%
NPA / loans1.23%2.16%+0.93 pts0.45%0.58%+0.14 pts
Efficiency25.1%21.4%-3.7 pts57.9%53.0%-4.9 pts
ROA3.58%4.22%+0.64 pts1.19%1.67%+0.48 pts

This read was prepared for State Bank of Texas's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on State Bank of Texas is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.sbt.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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