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State Bank of De Kalb

De Kalb, TX
IDRSSD: 621357
Total Assets
$485.36M
Latest filing
Total Deposits
$425.84M
Latest filing
Net Interest Margin
4.93%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/19/1937
Community BankYes
Ownership TypeNot Mutual
ZIP75559
State and County Number48037
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameTexarkana, TX-AR

Operational Info

Number of Employees89
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance02/20/1937
Primary Insurance AgencyDIF
Websitewww.statebankofdekalb.com
Data Updated11/14/2025
CERT15463
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$485.36M
Total Deposits$425.84M
Total Liabilities$428.50M
Total Equity Capital$56.86M
Net Income$2.77M
Net Loans and Leases$365.94M
Assets Per Employee ($Millions)$5.39M
Bank Premises and Fixed Assets$9.06M
Cash and Balances due from Depository Institutions$97.64M
Deposits Held in Domestic Offices$425.84M

Key Performance Ratios

Return on Assets (ROA)2.32%
Return on Equity (ROE)19.77%
Net Interest Margin4.93%
Efficiency Ratio55%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.18%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.715%
Earning Assets to total Assets95.69%

Income and Expense

Total Interest Income$7.58M
Total Noninterest Income$1.01M
Total Interest Expense$1.93M
Total Noninterest Expense$3.68M
Net Interest Income$5.65M
Pre-tax Net Operating Income$2.77M
Provision for Credit Losses$210.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$200.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.66M
Total Liabilities and Capital$485.36M

Securities

Securities$9.00M
Available-for-sale debt securities$3.15M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$5.85M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of State Bank of De Kalb?
$485.36M as of the latest filing.
How much are State Bank of De Kalb's total deposits?
$425.84M in total deposits.
Where is State Bank of De Kalb located?
De Kalb, TX.
What is the Net Interest Margin?
4.93%.
How many domestic offices does it operate?
7.
When was it established?
02/19/1937.
What is the Return on Assets (ROA)?
2.32%.
How much are total loans and leases?
$365.94M (latest filing).
What is the total interest income (latest filing)?
$7.58M.