State Bank of De Kalb
De Kalb, TX
IDRSSD: 621357
Total Assets
$491.39M
Latest filing
Total Deposits
$430.64M
Latest filing
Net Interest Margin
5.08%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111907089DE KALB, TX
Key People
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Locations
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Main Office
State Bank of De Kalb
102 S Runnels St
De Kalb, TX 75559
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/19/1937FDIC Certificate 9771
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| State Bank of De Kalb (Main) | 102 S Runnels St | De Kalb, TX |
| CLARKSVILLE BRANCH | 601 W Main St | Clarksville, TX |
| ATLANTA TEXAS BRANCH | 209 W Main St | Atlanta, TX |
| RICHMOND ROAD BRANCH | 3315 Richmond Rd | Texarkana, TX |
| TEXAS BOULEVARD BRANCH | 4805 Texas Blvd | Texarkana, TX |
| NEW BOSTON ROAD BRANCH | 103 E New Boston Rd | Nash, TX |
| NEW BOSTON BRANCH | 319 E. Hoskins Blvd. | New Boston, TX |
Showing 6 of 6
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/19/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75559 |
| State and County Number | 48037 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Texarkana, TX-AR |
Operational Info
| Number of Employees | 90 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/20/1937 |
| Primary Insurance Agency | DIF |
| Website | www.statebankofdekalb.com |
| Data Updated | 01/30/2026 |
| CERT | 15463 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $491.39M |
| Total Deposits | $430.64M |
| Total Liabilities | $432.76M |
| Total Equity Capital | $58.63M |
| Net Income | $3.00M |
| Net Loans and Leases | $366.25M |
| Assets Per Employee ($Millions) | $5.28M |
| Bank Premises and Fixed Assets | $9.01M |
| Cash and Balances due from Depository Institutions | $108.23M |
| Deposits Held in Domestic Offices | $430.64M |
Key Performance Ratios
| Return on Assets (ROA) | 2.45% |
| Return on Equity (ROE) | 20.75% |
| Net Interest Margin | 5.08% |
| Efficiency Ratio | 54.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.931% |
| Earning Assets to total Assets | 95.73% |
Income and Expense
| Total Interest Income | $7.78M |
| Total Noninterest Income | $1.20M |
| Total Interest Expense | $1.85M |
| Total Noninterest Expense | $3.93M |
| Net Interest Income | $5.94M |
| Pre-tax Net Operating Income | $3.00M |
| Provision for Credit Losses | $210.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $2.12M |
| Total Liabilities and Capital | $491.39M |
Securities
| Securities | $4.02M |
| Available-for-sale debt securities | $3.17M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $851.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank of De Kalb?
$491.39M as of the latest filing.
How much are State Bank of De Kalb's total deposits?
$430.64M in total deposits.
Where is State Bank of De Kalb located?
De Kalb, TX.
What is the Net Interest Margin?
5.08%.
How many domestic offices does it operate?
7.
When was it established?
02/19/1937.
What is the Return on Assets (ROA)?
2.45%.
How much are total loans and leases?
$366.25M (latest filing).
What is the total interest income (latest filing)?
$7.78M.