State Bank of De Kalb

BankDe Kalb, Texas
www.statebankofdekalb.com

Total Assets

$491.4M

Total Deposits

$430.6M

Branches

7

Established

1937

TFS Health Grade

$
C

75.8 / 100

Average financial health

How we grade

State Bank of De Kalb is a bank headquartered in De Kalb, Texas, established in 1937. With $491.4M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.91%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.29%

Profitability

Return on Assets (ROA)
2.35%(1%)
Return on Equity (ROE)
19.96%(10%)
Net Interest Margin
5.00%
Efficiency Ratio
54.79%(60%)

Lending & Liquidity

Total Loans
$371.6M
Loan-to-Deposit Ratio
85.05%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+12.60%
Deposit Growth (YoY)
+12.66%
Net Income
$11.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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